摘要
伴随着利率市场化的持续推进,我国商业银行盈利能力受到净利差收窄等因素影响,传统经营模式也受到冲击。本文以我国16家上市银行2007年至2016年年报数据为基础,运用面板数据方法研究利率市场化下我国商业银行盈利能力的影响因素。结果表明,我国银行业盈利能力受净利差、成本收入比、资本充足率、不良贷款率、准备金率、存贷比、资产规模和信贷规模的影响较为显著,受经济增长速度和非利息收入的影响不显著。同时,影响五大国有商业银行与其他股份制商业银行盈利能力的因素存在差异,成本收入比、准备金率和存贷比对五大国有商业银行盈利能力影响不显著,对其他股份制商业银行盈利能力影响显著。针对研究结果,本文对利率市场化下商业银行盈利能力的提升提出了相应的对策建议。
With the continuous interest rate marketization, the profitability of Chinese commer- cial banks is affected by such factors as the narrowing of the net interest margin and the traditional business model is also impacted. Based on the data in the annual reports of 16 listed banks from 2007 to 2016 in China, this thesis uses the panel data method to research the influential factors of the profitability of Chinese commercial banks under the background of interest rate marketization. The results show that the profitability of Chinese commercial banks is affected by the net interest margin, cost-income ratio, capital adequacy ratio, non-performing loan ratio, reserve ratio, loan-to- deposit ratio, asset size and credit scale obviously;while economic growth rate and non-interest in- come have no obvious impacts. Meanwhile, the influential factors of the profitability of the 5 state- owned commercial banks and other joint-equity commercial banks are different. The cost-income ra- tio, the reserve ratio and the loan-to-deposit ratio have no significant impact on the profitability of the 5 state-owned commercial banks, while have a significant impact on other joint-equity commercial banks. Based on these research results, this thesis puts forward corresponding measures and sugges- tions for improving the profitability of commercial banks under the background of interest rate mar- ketization.
作者
徐斌
郑垂勇
Xu Bin , Zheng Chuiyong
出处
《南京社会科学》
CSSCI
北大核心
2018年第3期31-37,共7页
Nanjing Journal of Social Sciences
关键词
利率市场化
商业银行
盈利能力
interest rate marketization
commercial banks
profitability
