商业银行信贷投放结构对银行经营效率的影响——基于中国14家上市银行的实证分析

发布时间：2018-02-25 00:05

本文关键词： “供给侧”改革行业结构信贷政策 “三性”原则　出处：《金融与经济》2017年09期 　论文类型：期刊论文

【摘要】：在中国经济转型背景下,商业银行在不断优化信贷投放行业结构以保障"供给侧"改革顺利进行的同时,更需推动自身发展、提高经营效率。本文以商业银行"三性原则"为基础,基于我国2008~2015年14家商业银行数据,研究商业银行信贷投放行业结构对银行经营效率的影响。实证发现,样本期内各商业银行经营效率波动较大,信贷投放结构对银行经营效率有较大影响。在转型时期,为提高经营效率,各商业银行应结合自身发展特点,构建合理信贷投放行业结构,国有控股类银行需大量增加制造业、商业金融业等行业的信贷投放;非国有控股类银行需适当增加房地产业信贷投放;而对农林牧渔及信息技术业各类银行的信贷投放基本无需调整。
[Abstract]:In the context of China's economic transformation, commercial banks need to promote their own development while constantly optimizing the structure of the credit industry to ensure the smooth implementation of the "supply-side" reform. Based on the "three characteristics principle" of commercial banks and the data of 14 commercial banks from 2008 to 2015, this paper studies the influence of the structure of commercial banks' credit supply on the efficiency of banks. During the sample period, the operation efficiency of commercial banks fluctuates greatly, and the credit structure has a great influence on the operation efficiency of banks. In the period of transition, in order to improve the operation efficiency, commercial banks should combine their own characteristics of development. In order to construct a reasonable credit industry structure, the state-owned holding banks should increase the manufacturing industry, the commercial finance industry and other industries, and the non-state-owned holding banks should increase the real estate credit. And the agriculture, forestry, herding, fishing and information technology industry, all kinds of banks credit without adjustment.
【作者单位】：南京师范大学商学院;
【分类号】：F830.42;F832.4

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