摘要
在受金融自由化改革和金融创新的推动下,混业经营在金融一体化下成为一种趋势。我国商业银行通过组建金融控股公司,已广泛开展保险、信托、证券、基金等业务间合作。本文以我国主要商业银行2005年至2007年的业绩表现为研究对象,对其进行了研究,结果表明:我国金融控股公司背景银行的经营绩效好于非金融控股公司背景银行,金控银行的手续费及佣金收入对绩效有更高的贡献率,我国应鼓励商业银行向金融控股公司转型,实现金控模式的规范发展。
Driven by the financial liberalization and innovation ,nowadays financial operation pattern has become a kind of leading trend.Chinese commercial banks have some cooperation and exchange among banking industry ,securities industry and insurance industry through organising financial holding groups. This paper analyses the operating performance of chinese major commercial banks in the period of 2005-2007,based on factor analysis.The empirical result has showed that in our country financial holding banks is more efficient than non-financial holding banks.In addition to this ,the commission charge of the financial holding bank contributes more relatively to the operating performance.We suggest that Chinese commercial banks should be encouraged to tansfer to financial holding banks in order to regulate the development of the financial operation pattern.
出处
《财会通讯（下）》
2010年第2期73-76,161,共4页
Communication of Finance and Accounting
关键词
商业银行
金融控股公司
绩效
Commercial bank Financial holding bank Performance
