摘要
本文利用中国商业银行2003~2011年的相关数据,考察商业银行市场势力和收入多元化与银行绩效水平的关系。结果表明,市场势力对商业银行绩效有显著正效应,高市场势力带来的溢价提高了商业银行的经济效益,这在一定程度上支持相对市场力量假说;商业银行在严格控制营业费用的前提下,提高收入多元化程度对商业银行的绩效水平有积极促进作用。中国银行监管机构需要逐步放松行政管制,使银行将收入多元化纳入银行长远发展的经营战略中,以提高其绩效水平;同时要高度重视并合理控制商业银行收入多元化风险。
Based on the relevant data of Chinese commercial banks during 2003~2011, this paper analyses the relationship between market power or revenue diversification and performance of banks. The results of the paper show that market power has significant and positive effects on the performance of commercial banks, and the premium from big market power has improved the economic efficiency of commercial banks, which supports the 'relative market power' hypothesis to some extent; under the premise to control operational expenses strictly, the increase in the level of revenue diversification of banks will positively improve their performance. China's banking regulators need to release administrative regulation gradually, and promote revenue diversification to be a part of the long-term business strategies of banks so as to improve their performance; meanwhile, commercial banks should be vigilant to and control the risks of revenue diversification.
出处
《金融论坛》
CSSCI
北大核心
2014年第1期43-49,共7页
Finance Forum
基金
国家社会科学基金重大项目<金融产业经济学研究>(11&ZD141)
关键词
商业银行
市场势力
收入多元化
经营绩效
commercial bank
market power
revenue diversification
operational performance
