摘要
本文以VAR模型对我国银行业盈利结构的实证检验表明,信贷规模与利差是影响商业银行利润的主要因素,但银行净利润对于资产规模的脉冲效应大于对利差水平的脉冲效应。高投资驱动增长模式是信贷规模扩张、银行高利润的根源。推进利率市场化改革是实现我国银行利润增长模式转型的必由之路。
Empirical tests using VAR model on the profit structure of China＇s banking industry shows that, credit scaleand spread is the main factor that affects the profits of commercial banks. The Impulsive effect of the bank＇ s net profit on the asset size is greater than that of spread. High investment-driven growth mode is the root of the credit expansion and the high profits of the bank. Taking the ideal level of profitability into consideration, so far, the only way to realize the transformation on China＇ s economy growth mode and bank profits mode is to converse the regulation ideas and to promote the reform of the market-oriented resource allocation mechanism, such as interest rate liberalization.
出处
《金融发展研究》
2012年第8期64-67,共4页
Journal Of Financial Development Research
关键词
银行盈利模式
利率市场化
资产规模
利差
bank profit mode, interest rate liberalization, asset size, spread
