摘要
本文选取国内50家商业银行1995-2013年的面板数据为样本,从利润持续性角度实证分析银行盈利性及其影响因素,结果显示:我国商业银行的利润持续性比较好,在国际上处于中上水平;经济增长、通货膨胀、财政收入对银行利润持续性呈现正效应;银行市场竞争程度降低了城商行利润持续性,但对全国性商业银行有正向影响;贷款损失准备占比、成本收入比对利润持续性呈现负效应;资产规模、资本充足性、流动性、非利息收入占比能够提高银行利润持续性,但是不同类型商业银行所受影响存在差异。
In the paper, the panel data of 50 Chinese commercial banks from 1995 to 2013 are used as samples, aiming to analyze the profitability of banks and its influence factors.The empirical results show that the persistence of profits of Chinese banks is significant and is at upper level in the world; several factors contribute to the phenomenon, including GDP growth rate, inflation and fiscal revenue, etc;the market competition reduces the persistence of profits of city com-mercial banks, while enhances that of national commercial banks; persistence of profits is negatively related to loan loss reserve rate and cost to income rate, and is positively related to asset scale, capital adequacy, liquidity and non-inter-est income rate, varying according to different types of banks.
出处
《商业研究》
CSSCI
北大核心
2015年第7期67-72,共6页
Commercial Research
基金
国家社科基金重大项目"利率市场化改革与利率调控政策研究"
项目编号:12&ZD086
关键词
商业银行
银行规模
盈利性
利润持续性
市场竞争程度
commercial banks
bank size
profitability
the persistence of profits
market competition degree
