城市商业银行跨区域经营效果的分类研究——基于信贷规模、风险分散效果和盈利能力三个维度

发布时间：2018-05-02 11:43

本文选题：城市商业银行 + 跨区域经营　；参考：《上海金融》2014年03期

【摘要】：一直以来,理论界对城商行跨区域经营战略的效果褒贬不一,据统计,截至2012年底,我国144家城商行在省外的分行近130家。本文将跨区域经营的城商行分为从一线城市到二三线城市、从二三线城市到一线城市和向同等类型城市设立分支机构三类,分别从信贷规模、风险分散效果和盈利能力三个维度分析跨区域战略的效果,并通过构造赫芬达尔指数用2005-2012年的数据对样本城商行实证检验了因跨区域经营程度不同对信贷扩张、风险水平和盈利能力的影响情况。研究表明:跨区域经营可以迅速扩大异地分行的信贷规模,但对城商行整体信贷规模的提高并不明显;在分散风险的效果上总体表现较好,但也具有差异性,从一线城市到二三线城市跨区域经营的城商行分散风险的效果最为明显;跨区域经营在短期内并没有明显改善盈利能力。
[Abstract]:Since then, the effect of cross-regional management strategy of city commercial banks has been mixed. According to statistics, up to the end of 2012, 144 city commercial banks in our country have nearly 130 branches outside the province. In this paper, the cross-regional commercial banks are divided into three categories, from the first-tier cities to the second-third-tier cities, from the second-third-line cities to the first-tier cities and to the same types of cities. This paper analyzes the effect of cross-regional strategy from three dimensions of risk dispersion effect and profitability, and empirically tests the credit expansion due to the different degree of cross-regional operation by constructing the Huffendal index and using the data from 2005 to 2012 to test the credit expansion of the sample city commercial banks. The impact of risk levels and profitability. The research shows that cross-regional operation can rapidly expand the credit scale of different branches, but the overall credit scale of city commercial banks is not obvious, and the overall effect of risk diversification is better, but it also has differences. From the first-tier city to the second-third-line city, the effect of spreading the risk is the most obvious, and the cross-regional operation does not obviously improve the profitability in the short term.
【作者单位】：上海理工大学管理学院;
【分类号】：F832.33;F832.4;F224

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