摘要
从资本结构的角度出发,在理论分析的基础上,采用计量经济学的模型对我国商业银行资本结构与盈利能力之间的关系进行了实证分析。结果表明:商业银行的融资结构与盈利能力之间呈正相关关系,附属资本占总资本的比重越高,银行的资产利润率越高;商业银行股权性质与盈利能力负相关;商业银行第一大股东的持股比例与资产利润率正相关;商业银行资本充足率与资产利润率显著正相关,但系数相对较小。
The profitability of commercial banks is the pacing factor to maintain and enhance their own competitiveness and sustainable development capacity.From the perspective of capital structure,this paper makes an empirical analysis on the relationship between the capital structure of China＇s commercial banks and their profitability by making theoretical analysis and adopting the econometrics model,with the purpose of finding out the factors which restrict the profitability of China＇s commercial banks and therefore putting forward the correspondent policy suggestion.
出处
《山西财经大学学报》
CSSCI
北大核心
2009年第6期85-92,共8页
Journal of Shanxi University of Finance and Economics
关键词
商业银行
资本结构
盈利能力
commercial bank
capital structure
profitability
