多元化经营能否改善我国城市商业银行经营绩效——基于资产和资金来源的视角  

Can Diversification Improve the Operation Performance of Chinese City Commercial Banks? Based on the Perspective of Assets and Source of Funds

作　　者：薛超[1] 李政[1] 

机构地区：[1]南开大学经济学院,天津300071

出　　处：《当代经济科学》2014年第1期12-22,124,共11页Modern Economic Science

基　　金：国家自然科学基金"我国商业银行综合经营与股票市场资源配置效率研究-基于承销商独立性视角"(71272183);国家自然科学基金"中国商业银行高管激励约束机制与风险承担研究"(71172066)的资助

摘　　要：我国城市商业银行正处在高速发展时期,在区域扩张和信贷规模受限的影响下,多元化经营成为新的扩张途径。本文对我国81家城市场商业银行2002-2011年的财务数据进行实证研究,结果表明多元化经营不能改善城市商业银行的经营绩效,增加传统存贷款业务能够提高经营绩效,而非传统业务降低经营绩效。引入规模因素后发现,规模越大的城市商业银行,多元化经营和非传统业务对其经营绩效的不利影响越小。最后,本文建议城市商业银行应避免盲目扩张,业务拓展应从自身特点出发,服务实体经济、发展特色业务。China's City Commercial Banks( CCBs) are in the period of rapid development. Because of the limitation of regional expansion and credit scale,diversification becomes a new expansion approach. In this paper,we do empirical analysis by using 81 CCBs' financial data from 2002 to 2011 and find that diversification cannot improve CCBs' operation performance. The traditional deposit and loan business can improve banks' performance. The non-traditional business can reduce operation performance. After the introduction of size factor,we find that the bigger the CCBs,the smaller the adverse effects of diversification and non-traditional business on CCBs' operation performance. Finally,we suggest that CCBs should avoid blind expansion. Business expansion should be based on their own characteristics,serve the real economy and develop special businesses.

关 键 词：城市商业银行 多元化经营 经营绩效 

分 类 号：F832.33[经济管理—金融学]