摘要
基于2014-2021年我国59家农村商业银行的面板数据,运用固定效应模型分析农村商业银行加大支农力度对其盈利能力的影响及其异质性,并使用调节效应模型探讨利率市场化在这两者间的作用。研究结果显示,农村商业银行加大支农力度能够提高其盈利能力,且这种正面效应存在明显的规模异质性和地区异质性,在较大规模的农商行或东部地区的农商行中这种效应更加显著;利率市场化的加深在农村商业银行支农力度促进其盈利能力的过程中具有正向调节作用。
Based on the panel data of 59 rural commercial banks in China from 2014 to 2021,the fixed effect model was used in this paper to analyze the impact of rural commercial banks’increasing support for agriculture on their profitability and its heterogeneity,and the moderating effect was used to explore the role of interest rate liberalization between them.The research results showed that rural commercial banks can improve their profitability by increasing their support for agriculture,and this positive effect has obvious scale heterogeneity and regional heterogeneity,which is more significant in larger-sized rural commercial banks or those in the eastern part of China.The deepening of the interest rate liberalization has a positive moderating effect in the process of rural commercial banks’efforts to support agriculture to promote their profitability.
作者
袁雪萍
YUAN Xue-ping(School of Economics,Anhui University,Hefei,230039,Anhui)
出处
《蚌埠学院学报》
2024年第4期78-84,共7页
Journal of Bengbu University
基金
安徽省高校人文社会科学重点项目(SK2021A0031)。
关键词
农村商业银行
支农力度
盈利能力
利率市场化
rural commercial banks
support for agriculture
profitability
interest rate liberalization
