上市银行盈利模式与银行价值创造的实证研究
发布时间：2019-07-09 19:35
【摘要】：本文在相关研究的基础上,利用我国11家上市银行2004年-2010年的面板数据,考察了盈利模式的转型与银行价值的关系。研究结果发现,单纯依靠扩大存贷款总规模并不能有效地提高银行价值,但是近年来非利息收入的增长也并未能提升银行价值。进一步的研究显示,其可能的原因在于非利息收入波动性大、净利息收入与非利息的收入高度相关以及考核机制偏差。基于研究,本文从加大创新力度、优化考核机制等方面为商业银行盈利模式转型、实现可持续发展提出建议。
[Abstract]:On the basis of relevant research, this paper investigates the relationship between the transformation of profit model and bank value by using the panel data of 11 listed banks in China from 2004 to 2010. The results show that the expansion of the total size of deposits and loans alone can not effectively improve the value of banks, but the growth of non-interest income in recent years has not been able to enhance the value of banks. Further research shows that the possible reasons are the volatility of non-interest income, the high correlation between net interest income and non-interest income, and the deviation of assessment mechanism. Based on the research, this paper puts forward some suggestions for the transformation of commercial banks' profit model and the realization of sustainable development from the aspects of increasing innovation and optimizing the assessment mechanism.
【作者单位】： 中国农业银行博士后科研工作站;清华大学博士后科研流动站;中央财经大学会计学院;
【分类号】：F832.2
[Abstract]:On the basis of relevant research, this paper investigates the relationship between the transformation of profit model and bank value by using the panel data of 11 listed banks in China from 2004 to 2010. The results show that the expansion of the total size of deposits and loans alone can not effectively improve the value of banks, but the growth of non-interest income in recent years has not been able to enhance the value of banks. Further research shows that the possible reasons are the volatility of non-interest income, the high correlation between net interest income and non-interest income, and the deviation of assessment mechanism. Based on the research, this paper puts forward some suggestions for the transformation of commercial banks' profit model and the realization of sustainable development from the aspects of increasing innovation and optimizing the assessment mechanism.
【作者单位】： 中国农业银行博士后科研工作站;清华大学博士后科研流动站;中央财经大学会计学院;
【分类号】：F832.2
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相关期刊论文 前10条
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本文编号：2512393
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