中国城市商业银行盈利能力影响因素分析——基于50家商业银行的微观数据

发布时间：2018-01-12 05:00

本文关键词：中国城市商业银行盈利能力影响因素分析——基于50家商业银行的微观数据　出处：《统计与信息论坛》2017年03期 　论文类型：期刊论文

【摘要】：基于2009-2015年期间国内50家城市商业银行(城商行)的微观数据,采用动态面板数据模型实证检验了资产负债结构及其他宏微观因子对城商业银行盈利能力的影响。研究结论表明:负债及资产结构对城商行的盈利能力具有显著的影响,一般性存款占负债的比重、贷款占资产的比重均与其盈利水平显著正相关;城商行的资产质量及成本控制水平越高,盈利能力也越强;规模越大并不意味着盈利能力越强,那些规模较小的城商行因为聚焦于中小客户群体、具有更高的定价话语权而能够获取更高的盈利;GDP增长率、货币政策等外部宏观环境并不会显著影响城商行的盈利水平。因此,城商行不应追求单纯的规模扩张而应着力强化资产负债统筹管理,并立足自身资源禀赋及市场定位,走差异化、特色化发展道路。
[Abstract]:Based on microcosmic data of 50 urban commercial banks (city banks) in the period 2009-2015. The dynamic panel data model is used to test the influence of the structure of assets and liabilities and other macro and micro factors on the profitability of city commercial banks. Liabilities and asset structure have a significant impact on the profitability of city commercial banks. The proportion of general deposits to liabilities and the proportion of loans to assets are significantly positively related to their profitability; The higher the level of asset quality and cost control, the stronger the profitability; The larger the scale does not mean the stronger the profitability, those smaller city banks because of the focus on small and medium-sized customer groups, with a higher pricing power and can obtain higher profits; GDP growth rate, monetary policy and other external macro environment will not significantly affect the profitability of city commercial banks. Therefore, city commercial banks should not pursue a simple expansion of scale, but should focus on strengthening the overall management of assets and liabilities. And based on its own resource endowment and market positioning, take differentiation, characteristic development road.
【作者单位】：福建泉州银行董事会办公室;
【分类号】：F832.33
【正文快照】： 一、引言英国《银行家》发布的2016年全球1 000家大银行榜单显示,按照一级资本总额排名,中国有73家城市商业银行(以下简称“城商行”)入围,占中国入围商业银行数量的61%,其中38家城商行进入500强,较2015年增加12家。经过近20年的发展,城商行逐渐由小变大、由弱变强,截至2015年

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