摘要
以我国16家上市商业银行2020年年报数据为基础,对我国商业银行盈利能力的影响因素进行了回归分析。结果表明,我国银行业盈利能力受成本收入比、拨备覆盖率和一级资本充足率的影响较为显著,受资本充足率、净息差和不良贷款率的影响不显著。针对研究结果,本文对商业银行盈利能力的提升措施提出了一定的建议。
Based on the 2020 annual report data of 16 listed commercial banks in China,this paper makes a regression analysis on the influencing factors of the profitability of commercial banks in China.The results show that the profitability of China's banking industry is significantly affected by cost-income ratio,provision coverage and tier one capital adequacy ratio,but not significantly affected by capital adequacy ratio,net interest margin and non-performing loan ratio.According to the research results,this paper puts forward some suggestions on the measures to improve the profitability of commercial banks.
作者
白渝
BAI Yu(Qinghai Nationalities University,Xining 810007 China)
出处
《科技创新与生产力》
2021年第11期68-70,共3页
Sci-tech Innovation and Productivity
基金
青海民族大学金融专硕创新项目(65M2021040)。
关键词
商业银行
盈利能力
回归分析
commercial bank
profitability
regression analysis
