Research on the influence of capital adequacy ratio of Listed Banks Based on Panel Data

• 1、Finance Department of Liaoning Technical University, Xingcheng City 125105

Abstract： Based on the financial data and relevant literature of 24 commercial banks listed in A-share market from 2010 to 2018, this paper establishes a panel model, then carries out single integration, co integration test and fixed effect analysis, and draws a conclusion: from the perspective of bank categories, the macro factors have the same impact on the capital adequacy ratio of state-owned banks and joint-stock commercial banks, while the micro factors include the net asset income The profit rate and asset growth rate have opposite effects on capital adequacy ratio. On the whole, the capital adequacy ratio is negatively related to market interest rate, GDP growth rate, return on net assets of banks, non-performing loan rate of banks and asset growth rate, and positively related to the proportion of deposits and loans of banks, that is, the level of market interest rate, the quality of national economy, the strength of bank profitability, the quality of assets, and the speed of asset growth are negatively promoted to capital adequacy, while the capital adequacy ratio is fully increased Sufficient liquidity can improve the bank\'s capital adequacy ratio, and based on the different results of various influencing factors, the paper puts forward suggestions to adjust the capital adequacy ratio.

Keywords： listed commercial banks；capital adequacy ratio；influencing factors