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 Contents
Chapter 1: Introduction 1
1.1 Research Background 1
1.2 Definitions of Diversification 3
1.3 Effects on Diversification 5
1.3.1 Positive effects of diversification 5
1.3.2 Negative Effects of Diversification 7
1.4 Research Method and Structure 10
Chapter 2: Literature Review 13
2.1 Theoretical foundation of bank diversification 13
　　　　2.1.1 Synergy Effects Theory 13
　　　　2.1.2 Theory of internal capital market 13
2.2 Foreign studies on the economies of scale and scope in bank diversification 15
2.3 Chinese studies on the economies of scale and scope in bank diversification 17
2.4 Foreign studies on bank diversification and the performance 19
2.5 Chinese studies on bank diversification and the performance 21
2.6 The operating revenue and commercial banks diversification 23
Chapter 3: Methodology 27
3.1 Model Ⅰ 27  https://www.51lunwen.org/ygshlw/
3.1.1 Sample selection 27
3.1.2 Variable Selection 27
3.1.3 Statistic Method 28
3.1.4 Research Hypothesis 29
3.1.5 Regression Model 29
3.2 Model Ⅱ 30
3.2.1 Theoretical basis - Portfolio Theory 30
3.2.2 Data Selection 31
3.2.3 The establishment of model 31
Chapter 4: Analysis and Results 34
4.1 The result of descriptive statistics and analysis of Model Ⅰ 34
4.1.1 Vertical analysis of diversification and performance 34
4.1.2 Horizontal analysis on diversification and performance 36
4.1.3 The result of panel model regression 38
4.1.4 The effects of diversification based on the degree of specialization, the scale of the banks 40
4.1.5 The risks of bank diversification 44
4.2 The analysis on the risk of bank diversification of Model Ⅱ 46
4.2.1 The analysis on the overall risk of banking industry 46
4.2.2 The analysis on the individual risk of banks 49
4.2.2.1 The correlation of cross-section 49

4.2.2.2 The correlation of single-bank time-series 51
4.2.3 The relationship between bank diversification, performance and risks 53
Chapter 5: Conclusion and Suggestion 56
5.1 The discussions on the research conclusions of Model Ⅰ 56
5.2 The discussions on the research conclusions of Model Ⅱ 57
5.3 Some suggestions for China’s commercial banks 58
5.4 Limitations and Further Research 62
Chapter 1: Introduction
Research Background
With the world financial integration as well as the progressive liberalization of financial industry after China accessed to WTO, commercial banks emphasis on the development of non-interest income and make its efforts to develop cash management, capital transactions, e-banking, asset trust, corporate annuity, clearing agents, financial advisors, investment banks and other non-interest income business. Some banks are extending the geographical location of globalization which called geographic diversification; or some banks are expanding to other business areas which called business diversification. These are the tendency of the commercial banks expansions. The actual development of commercial banks in different countries sh本论文由英语论文网提供整理，提供论文代写，英语论文代写，代写论文，代写英语论文，代写留学生论文，代写英文论文，留学生论文代写相关核心关键词搜索。