经济下行背景下城市商业银行跨区域经营研究

发布时间：2018-06-25 21:09

本文选题：城市商业银行 + 跨区域经营　；参考：《中央财经大学学报》2016年10期

【摘要】：笔者基于2009—2014年中国102家城市商业银行的数据,运用倍差法与面板门限回归等方法,分析了经济下行背景下跨区域经营对银行盈利能力、风险水平和综合绩效的影响。结果发现,在GDP增速放缓的前提下,跨区域经营有助于提升城市商业银行的收益水平,并且其盈利能力随着同业业务所占比重的上升而提高;总体而言,跨区域经营增加了城市商业银行的风险,但开展同业业务较多的银行的跨区域经营战略却起到了分散风险的作用;综合考虑银行的资本充足性、资产质量、管理水平、盈利能力和流动性等因素时,跨区域经营不利于城市商业银行绩效的提高,但上述现象在同业业务占比较高的银行中并不明显。笔者的研究为新常态时期城市商业银行跨区域经营的效果提供了经验证据,也为监管当局进一步完善相关政策法规提出了政策建议。
[Abstract]:Based on the data of 102 urban commercial banks in China from 2009 to 2014, the author analyzes the influence of cross-regional operation on the profitability, risk level and comprehensive performance of banks under the background of economic downturn by using the method of double difference and panel threshold regression. The results show that under the premise of slower GDP growth, cross-regional operation helps to improve the income level of urban commercial banks, and its profitability increases with the increase of the proportion of interbank business. Cross-regional operation increases the risk of urban commercial banks, but the cross-regional management strategy of banks with more interbank business plays a role in dispersing risks, considering comprehensively the capital adequacy, asset quality and management level of banks. In the case of profitability and liquidity, cross-regional management is not conducive to the improvement of the performance of urban commercial banks, but the above phenomenon is not obvious in the banks with higher interbank business. The author's research provides empirical evidence for the effect of cross-regional operation of urban commercial banks in the new normal period, and also provides policy recommendations for the regulatory authorities to further improve the relevant policies and regulations.
【作者单位】：北京工商大学经济学院;浙江工业大学经贸管理学院;
【基金】：国家社科基金一般项目“中国跨境投资企业的外汇风险敞口测度、对冲动因与效果评价研究”(项目编号:15BGL020) 教育部人文社会科学青年基金项目“证券市场异常波动背景下价格限制类交易机制对市场质量的影响:基于效率与公平的视角” 首都流通业研究基地项目(项目编号:JD-YB-2016-022)
【分类号】：F832.33

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