摘要
文章以商业银行中间业务理论为基础,选取建设银行2004年至2012年有关数据,运用计量分析方法对影响建行中间业务的因素进行实证分析,得出总资产的对数、净资产收益率、资本充足率与中间业务收入正相关,存款占总资产比例、贷款占总资产比例与中间收入负相关的结论,并提出一些政策建议。
This paper is based on the theory of intermediary business of commercial bank. It selects the relevant data of con- struction bank from 2004 to 2012, using econometric analysis method to make an empirical analysis on the influencing factors of the construction bank＇ s intermediary business. It is concluded that the logarithm of total assets, net assets income ratio and capital adequa- cy ratio are positively related to intermediary business income ; savings ratio of total assets and loans to total assets ratio are negatively related to the intermediary business income, and then it puts forward some policy suggestions.
出处
《南华大学学报（社会科学版）》
2014年第1期47-52,共6页
Journal of University of South China(Social Science Edition)
关键词
商业银行
中间业务
主成分回归
commercial banks
intermediary business
principal component regression
