The only factor that has a significant impact on the market share of commercial banks is the number of branches of the bank. On the one hand, it reflects that our country has not yet realized the marketization of interest rates, and there is no significant difference in the profitability of deposits of various banks; on the other hand, it reflects that in the presence of implicit government guarantees, indicators that reflect the safety of bank deposits, such as capital adequacy ratios , non-performing loan ratio, etc. will not affect the bank's deposit market share. Analysis of two sub-samples of state-owned commercial banks and joint-stock commercial banks shows that the non-performing loan ratio of state-owned commercial banks is significantly higher than that of joint-stock commercial banks, and the capital adequacy ratio is significantly lower than that of joint-stock commercial banks. Due to its large number of branches, its market share is significantly higher than that of joint-stock commercial banks. Joint-stock commercial bank. However, with the gradual realization of interest rate liberalization and the opening up of the banking industry, this competitive advantage will be threatened. Therefore, it is very necessary for state-owned commercial banks to improve their capital adequacy ratio and reduce their non-performing asset ratio to maintain their competitive advantages. From the perspective of depositors, their choice of deposit banks mainly depends on the profitability and safety of deposits. In the absence of market-based interest rates, there is no significant difference in the deposit returns of various banks. Therefore, the security of deposits has become an important factor affecting depositors' choices. Depositors' expectations for deposit safety are mainly affected by the following factors. The bank’s capital adequacy ratio. Bank capital, as a buffer against losses, can protect depositors to a certain extent. Therefore, a higher capital adequacy ratio can increase the safety of deposits, which is beneficial to commercial banks in absorbing deposits. The bank’s asset quality. If a bank accumulates a large number of non-performing loans, it means that its asset liquidity and profitability will decrease, and it will also weaken the bank's ability to resist risks. According to statistics from the International Monetary Fund, since 1980, financial problems caused by excessive non-performing asset ratios in banks in member countries accounted for more than 66% of all financial problems, and 58% of financial crises were caused by excessive non-performing asset ratios. above. Therefore, poor asset quality of banks will reduce the safety of deposits, which is not conducive to commercial banks' ability to absorb deposits. Whether the bank is listed. Listing of a bank is considered to be able to increase the bank's capital adequacy ratio and improve the capital structure; disperse the bank's operating risks and improve the transparency of the bank's operating conditions, which is beneficial to the bank's ability to absorb deposits.