摘要
文章从经济增长模式对金融服务的需求和不同类型银行提供金融服务的比较优势出发,分析了中国六类银行的盈利优势。文章将财务分析思想贯穿于实证模型的设计、检验和分析中,在保证模型结果可靠性的同时丰富了实证分析的内涵。研究发现,大型商业银行盈利优势受益于投资拉动型经济增长模式和规模优势,但成本和风险控制能力不足;股份制商业银行受经济增长模式影响不显著;城市商业银行受益于居民消费水平的提高;农村建设推动了农村金融发展,利差升水补偿了农村金融机构经营的高成本、高风险;外资银行风险管理能力突出。
Based on the demand of economic growth patterns for finan cial services and the comparative advantages of financial services supplied by different types of banks, this paper analyzes the profitability advantages of six types of Chinese banks. It introduces financial analysis into the design, test and study of empirical model and enriches the connotation of empirical a nalysis along with the verification of the reliability of model results. It indi cates that the profitability advantages of large commercial banks benefit from investmentdriven economic growth mode and scale advantage, but lack in cost and risk control; jointstock commercial banks are not significantly af fected by economic growth modes; city commercial banks benefit from the improvement of consumption levels of residents; rural construction promotes the development of rural finance and spread premium compensates for high costs and risks in rural financial institutions; foreignfunded banks have prominent risk management ability.
出处
《财经研究》
CSSCI
北大核心
2012年第7期111-120,共10页
Journal of Finance and Economics
关键词
经济增长模式
银行类型
盈利优势
公司治理
economic growth pattern
bank type
profitability advantage corporate governance
