摘要
近年来,中国商业银行在经营规模扩张的同时大力发展中间业务,特别是私人银行业务在稳步增长,不同上市银行业务发展水平也参差不齐。基于2009—2015年12家上市商业银行私人银行业务数据,运用个体固定效应模型实证研究了影响中国私人银行业务发展的因素,结果表明:居民财富水平、银行业发展水平、银行总体实力、资产管理能力和品牌影响力是影响中国私人银行业务发展的主要因素。因此,在居民财富水平日益增长的同时,要提升银行的总体实力,特别是提升私人银行的资产管理能力和品牌影响力,促进私人银行业务的持续发展和商业银行的转型。
Recent years, China＇s commercial banks＇ operating scale was in expansion at the same time vigorously development in intermediary business, especially the private banking business was in steady growth, however the different listed banks had the different development levels. Based on the 12 listed commercial banks private banking business data from 2009 to 2015, the author made an empirical research on China＇s private banking business development influencing factors by usage of individual fixed effects model, and the result showed that： the main influencing factors of China＇s private banking business development were the household wealth level, the banking sector development level, the overall strength of the bank, asset management capabilities and brand influence. So we should enhance the banks＇ overall strength with the household wealth level increasing gradually, especially enhancing the asset management capabilities and brand influence of private banks, in that way to promote the private banking businesses＇ sustainable development and the transformation of commercial banks.
出处
《金融理论与实践》
北大核心
2016年第6期29-32,共4页
Financial Theory and Practice
关键词
私人银行业务
个体固定效应模型
银行总体实力
资产管理能力
private banking business
individual fixed effects model
the overall strength of the bank
asset management capabilities
