Analysis on Size Effect to Commercial Banks Operation ——Based on comparisons of CMB bank and CCB bank. Member: 刘英英 、田爽、 张小慧、李雪君. Differences. CCB. CMB. Big banks. Small banks. CCB.
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Commercial Banks Operation
——Based on comparisons of
CMB bank and CCB bank
Member: 刘英英 、田爽、
A leading joint-stock commercial banks
China's first entirely by the enterprise legal person shares of joint-stock commercial bank
The CCB lack the incentives lending to SMEs.
The CMB familiar with customer’s credit and operating conditions.
Solve the problem of information asymmetry.
the CMB has the advantage in relationship lending
Deposits from customers
The CCB has a higher bank credit.
The CCB has more bank branches.
The CCB is easier to transformation .
The CCB has a bigger long-term investment.
A higher rate of return.
CMB is much larger than CCB.
Medium and long-term loans
CCB is much bigger than CMB.
by overdue term
the longer the term, the banks should bear the risk of more probable that the borrower can not repay the loan
the majority of customers also chose a short-term time deposits, temporarily put the money in the bank to wait for better investment opportunities.
CCB has a higher ROE
CCB ‘s borrowed funds investment is bigger than CMB.
The financial leverage can increase the efficient use of funds.
CCB’s cost is higher than CMB.
CCB has a higher non-performing loans ,but the loan ratio is low.
CCB has a poor supervision on loans , didn’t properly
assess the borrower’s repayment ability.
CMB has a higher level on loan-to-deposit ratio
CCB put more deposits in investment.