我国上市商业银行贷款多元化与绩效的实证研究

发布时间：2018-11-19 16:32

【摘要】：自建国以来，我国商业银行贷款政策经历了三次大的变革，贷款投向也由高度集中逐渐走向多元化。当前，面临外资银行以及国内非同业机构的业务竞争，各商业银行纷纷开展多元化经营。但是利息收入仍占商业银行收入的主要来源。因此各个银行仍将贷款管理作为经营管理的重中之重,试图通过贷款管理提高经营效率,在此过程中,我们发现我国各商业银行贷款的投向愈来愈多元，几乎所有的大中型银行在贷款投向上均涉及各个行业、各个地区及各个不同的客户，贷款多元化能否改善我国商业银行绩效成为新的关注点。 本文首先从理论上分析了贷款多元化对我国商业银行绩效的影响，，而后对我国商业银行贷款多元化的现状分析发现我国商业银行贷款结构已呈现出多元化的趋势。在此分析的基础上进行了实证分析：我国15家上市商业银行贷款多元化对其经营绩效的影响。分析结果显示：商业银行贷款地区多元化不但可以增加商业银行资本实力和经营风险抵御能力，还可以降低商业银行的经营风险，即可以改善商业银行经营绩效。
[Abstract]:Since the founding of the people's Republic of China, China's commercial bank loan policy has undergone three major changes, and the loan investment has gradually changed from highly centralized to diversified. At present, faced with the competition of foreign banks and domestic non-banks, commercial banks have diversified operation. But interest income still accounts for the main source of commercial bank income. Therefore, each bank still regards the loan management as the most important part of the management, trying to improve the management efficiency through the loan management. In the process, we find that the investment of the commercial bank loans in our country is more and more. Almost all the large and medium-sized banks are involved in various industries, regions and different customers. Whether the diversification of loans can improve the performance of commercial banks has become a new concern. This paper firstly analyzes the influence of loan diversification on the performance of commercial banks in China, and then finds that the loan structure of commercial banks in our country has shown a trend of diversification by analyzing the present situation of loan diversification of commercial banks in China. On the basis of this analysis, this paper makes an empirical analysis: the influence of loan diversification on the performance of 15 listed commercial banks in China. The results show that the regional diversification of commercial bank loans can not only increase the capital strength and management risk resistance of commercial banks, but also reduce the operational risks of commercial banks, that is, to improve the performance of commercial banks.
【学位授予单位】：暨南大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

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