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1、ABSTRACTSincethe21stcentury,withtheacceleratedpaceofglobalfinancialintegration,thefinancialsub-sectorregulatorysysteminChinarelaxedgraduallyandChinesecommercialbanksallinnovatefinancialservicestodiversifytheirbusinessfollowingforeigncommercialbanks.However,comparedtoal
2、argenumberofresearchesoncommercialbanks'diversificationinforeigncountries,Chinesepreviousresearchesonthediversificationperformanceofcommercialbanksarestillinsuficient.Andmostarequalitativeresearches,quantitativeresearchesarerelativelysmall.Besides,itstilldoesnotreachau
3、nifiedconclusionasdiferentresearchmethodsanddata.Althoughmoststudiesbelievethatdiversificationcanimprovebankperformance,buttherearealsosomestudieswhichshowthatdiversificationofChinesecommercialbanksnotonlydoesnothelptoimprovebankperformance,butalsoleadstoincreasedrisks
4、ofbanksandotheradverseconsequences.Moreover,inrecentyears,withthedeepeningoffinancialreform,comparedwiththebeginningofthe21stcentury,evolutionpath.Inthepartofempiricalresearch,thispaperwilldivideChinesecommercialbanksintolargecommercialbanks,joint-stockcommercialbanksa
5、ndcitycommercialbanksandruralcommercialbanksthreeclasses.Anditstudiestherelationshipbetweentheabovethreecategoriesofbanks'diversificationandtheirperformancebyusingthepaneldataofChinesecommercialbanksduring2009-2013andgeneralinternationalentropyindex(E)tomeasurethedegre
6、eofdiversification.Throughqualitativeresearchandquantitativeresearch,thepapercomestothefinalconclusion:diversificationoflargecommercialbanksandjoint-stockcommercialbanksinChinacanimprovetheirperformance,whilecitycommercialbanksandruralcommercialbankscannotimprovetheirp
7、erformancethroughdiversification.Thisismainlyduetothelargersizeoflargecommercialbanksandjoint-stockcommercialbanksandrelativelymatureconditionsofdiversifiedbusiness,butthestrengthofcitycommercialbanksandruralcommercialbanksisweakandasresourcesarenotconcentrated,diversi
8、ficationleadstothereductionofperformance.Furthercomparison,wefindthatthedegreeofdiversificationoflargecommercialbanks