利率自由化对刚果商业银行盈利能力的影响

发布时间：2018-02-02 21:10

本文关键词： 商业银行利率盈利能力自由化　出处：《安徽大学》2017年硕士论文　论文类型：学位论文

【摘要】：肖和麦金农(1973)首次提出发展中国家的金融自由化。他们认为,利率自由化会提高利率,从而提高银行盈利能力。银行盈利能力可以通过两个主要指标来衡量:资产回报率(ROA)和银行净息差(NIM)。对刚果实证证据支持利率市场化的有利影响。然而,1980年代宏观经济动荡的动荡对利率市场化时期的金融深化,储蓄,投资,银行盈利能力和刚果增长有更大的影响。本文重点是研究利率自由化对刚果商业银行盈利能力的影响,涵盖2007年至2014年期间数据,采用统计软件SPSS和Eviews 7.2进行简单线性回归分析。研究显示,存款与资产,贷款与存款,利差,资产尺寸和股权资产是影响在刚果经营的商业银行盈利能力的变量。像增长,信用风险和债权总额等其他变量对刚果银行业的盈利能力没有任何影响。我们发现利率市场化对刚果商业银行盈利能力影响大。作为利率控制变量的变量差异对银行盈利能力产生了强烈而积极的影响。
[Abstract]:Shaw and McKinnon (1973) first proposed financial liberalization in developing countries, arguing that interest rate liberalization would raise interest rates. Bank profitability can be measured by two main indicators: return on assets (ROA) and bank net interest margin (NIMN). The empirical evidence for Congo supports the favourable impact of interest rate liberalization. The turbulence of the 1980s macroeconomic turmoil on the interest rate liberalization period of financial deepening, savings, investment. This paper focuses on the impact of interest rate liberalization on the profitability of commercial banks in Congo, covering the period from 2007 to 2014. The statistical software SPSS and Eviews 7.2 were used to carry out simple linear regression analysis. The results showed that deposits and assets, loans and deposits, interest margin. Asset size and equity assets are variables that affect the profitability of commercial banks operating in the Congo. Like growth. Other variables such as credit risk and total claims have no effect on the profitability of Congolese banks. We find that marketization of interest rates has a great impact on profitability of commercial banks of Congo. The profitability of banks has had a strong and positive impact.
【学位授予单位】：安徽大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F831.5;F831.2

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