银行利润最大化、效率与ROA

发布时间：2018-01-16 13:05

本文关键词：银行利润最大化、效率与ROA　出处：《金融论坛》2012年03期 　论文类型：期刊论文

【摘要】：本文依据利润最大化概念分解ROA影响因素,然后再结合效率理论提出eROA(效率ROA)模型,对2003～2010年中国商业银行效率进行分析。结果表明:加入WTO后在去政策性负担和投资拉动型经济增长模式影响下,四大商业银行eROA大幅提高;银行业效率呈现双增长趋同现象;长期发展中,效率与经营稳健性强相关。这一结果也证明了经济增长与金融发展之间的联系。后危机时期国民经济结构调整、经济增长速度放缓和金融体制改革深化将对四大商业银行盈利能力产生较大影响,而对股份制商业银行则影响较弱。
[Abstract]:This paper decomposes the influence factors of ROA according to the concept of profit maximization, and then puts forward the eROA( efficiency load) model combined with the efficiency theory. This paper analyzes the efficiency of Chinese commercial banks from 2003 to 2010. The results show that the efficiency of China's commercial banks is influenced by the policy burden and investment-driven economic growth model after China's entry into WTO. The eROA of the four commercial banks has been greatly improved; The efficiency of the banking industry shows the phenomenon of double growth convergence; In the long-term development, efficiency is strongly related to the stability of operation. This result also proves the relationship between economic growth and financial development, and the adjustment of the national economic structure in the post-crisis period. The slowdown of economic growth and the deepening of financial system reform will have a greater impact on the profitability of the four commercial banks, while the impact on the joint-stock commercial banks will be weaker.
【作者单位】：上海财经大学信息管理与工程学院;上海财经大学金融学院、上海市金融信息技术研究重点实验室;
【基金】：国家社会科学基金重大项目“保持经济稳定、金融稳定和资本市场稳定对策研究”(08&ZD036)
【分类号】：F832.3;F224
【正文快照】： 以往体制因素不仅困扰着中国经济发展也困扰着中国银行业发展。根据央行2002年的测算,四大商业银行不良贷款中出于自身信贷经营不善造成的只有20%;政府干预和对国企的信贷支持所形成的政策性负担占60%;其他占20%。可见政策性负担是阻碍国有银行市场化经营的主要障碍。“十五

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