综合化经营对中国商业银行稳定性的影响及其对策
发布时间：2018-07-18 13:44
【摘要】：采用实证方法,分析综合化经营对中国24家商业银行稳定性的影响。在控制相关变量后,得出结论:综合化经营对增强全国性商业银行的稳定性有利。根据综合化经营与风险之间的"U"型关系,在现阶段,我国银行业应积极推进综合化经营,并加快完善综合化经营的相关制度与法律框架;监管部门应加强综合化经营对风险影响的动态监测,以防范过度综合化经营所造成的风险。鉴于综合化经营对地方性银行的稳定性没有提高作用,综合考虑其抗风险能力和服务地方经济的功能,应采用不同的对策。
[Abstract]:This paper analyzes the influence of integrated management on the stability of 24 commercial banks in China. After controlling the relevant variables, it is concluded that comprehensive management is beneficial to the stability of national commercial banks. According to the "U" type relationship between integrated management and risk, at present, the banking industry of our country should actively promote integrated management, and accelerate the improvement of the relevant system and legal framework of integrated management; The supervision department should strengthen the dynamic monitoring of the influence of the integrated management on the risk in order to prevent the risk caused by the excessive comprehensive management. In view of the fact that comprehensive management has no effect on the stability of local banks, different countermeasures should be adopted in view of its anti-risk ability and the function of serving local economy.
【作者单位】： 湖南大学金融与统计学院;
【基金】：国家自然科学基金项目(71373071)的阶段性研究成果
【分类号】：F832.33
，
本文编号：2132082
[Abstract]:This paper analyzes the influence of integrated management on the stability of 24 commercial banks in China. After controlling the relevant variables, it is concluded that comprehensive management is beneficial to the stability of national commercial banks. According to the "U" type relationship between integrated management and risk, at present, the banking industry of our country should actively promote integrated management, and accelerate the improvement of the relevant system and legal framework of integrated management; The supervision department should strengthen the dynamic monitoring of the influence of the integrated management on the risk in order to prevent the risk caused by the excessive comprehensive management. In view of the fact that comprehensive management has no effect on the stability of local banks, different countermeasures should be adopted in view of its anti-risk ability and the function of serving local economy.
【作者单位】： 湖南大学金融与统计学院;
【基金】：国家自然科学基金项目(71373071)的阶段性研究成果
【分类号】：F832.33
，
本文编号：2132082
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