市场竞争度、非利息业务对商业银行效率的影响研究

发布时间：2018-09-08 14:49

【摘要】：研究目标:分析市场竞争度、非利息业务对商业银行效率的影响。研究方法:本文主要使用了SFA和动态面板GMM方法进行研究。研究发现:市场竞争度与银行利润效率和成本效率负相关,非利息业务与利润效率正相关,对成本效率影响并不显著;对于国有银行和股份制银行,手续费及佣金业务与利润效率和成本效率正相关,交易性业务与成本效率负相关;对于地方性银行,交易性业务与利润效率正相关,其余影响并不显著;随着竞争度的提升,非利息业务对银行效率的影响更趋向于负面。研究创新:研究分类非利息业务对各类银行效率的不同影响,考察了随着市场竞争度的变化,这种影响有何改变。研究价值:为监管者和商业银行在决策时提供参考。
[Abstract]:Objective: to analyze the influence of market competition and non-interest business on the efficiency of commercial banks. Research methods: this paper mainly uses SFA and dynamic panel GMM method to study. It is found that the degree of market competition is negatively correlated with profit efficiency and cost efficiency of banks, and that non-interest business is positively related to profit efficiency, but the impact on cost efficiency is not significant, while for state-owned banks and joint-stock banks, the market competition degree is negatively correlated with profit efficiency and cost efficiency. Fees and commissions are positively correlated with profit efficiency and cost efficiency, while transactional business is negatively correlated with cost efficiency; for local banks, transaction business is positively correlated with profit efficiency, but the other effects are not significant. The effect of non-interest business on bank efficiency tends to be negative. Research innovation: this paper studies the different effects of classified non-interest business on the efficiency of various banks, and examines how this effect changes with the change of market competition. Research value: provide reference for regulators and commercial banks when making decisions.
【作者单位】：南京财经大学金融学院;南开大学金融学院;
【基金】：中国特色社会主义经济建设协同中心、教育部社科项目“我国宏观审慎政策协调问题研究”(15YJA790090)的资助
【分类号】：F224;F832.2;F832.33

【相似文献】