摘要
本文利用2007～2011年间国内108家商业银行的经营数据,以面板门槛模型作为计量方法,分析不同规模下商业银行多元化与经营绩效的门槛效应。研究结果表明:多元化与经营绩效之间存在门槛效应,当资产超过1200亿元(1224.2028亿元)时,多元化与银行绩效之间关系会产生结构性变化;多元化程度越高越不利于小型银行经营绩效的提升,但多元化却有助于提升大中型商业银行的经营绩效。因此,小型银行目前应继续维持以传统存贷业务为重心,而大中型银行应拓宽非利息业务推广渠道,积极开发新产品,减少产品的同质化竞争。
This paper uses the operational data of 108 domestic commercial banks during 2007-2011 and panel threshold model as a measurement method to analyse the threshold effects of the diversification and operational performance of commercial banks on different scale. The results show that there are threshold effects in the relationship between the diversification and the operational performance. If the assets of the bank are more than 120 billion yuan, the relationship will undergo a structural change. The higher the degree of diversification is, the less conducive it is to improving the operational performance of small banks. Nevertheless, the diversification can help improve the operational performance of large- and medium-sized commercial banks. Therefore, small banks should continue to focus on the traditional deposit and lending business and large- and medium- sized banks should broaden their channels to promote non-interest business.
出处
《金融论坛》
CSSCI
北大核心
2013年第2期42-49,共8页
Finance Forum
关键词
商业银行
多元化经营
银行绩效
资产规模
门槛效应
commercial bank
diversifing operation
performance of bank
asset size
threshold effect
