资本监管压力、收入多元化与上市银行稳健性  

Capital Supervision Pressure, Income Diversification and the Stability of Listed Banks

作　　者：曲洪建[1] GONG Tao 迟运鹏 QU Hong-jian GONG Tao CHI Yun-peng

机构地区：[1]上海工程技术大学,上海200433 [2]马里兰大学东海岸分校 [3]中国农业银行烟台分行财务部

出　　处：《金融论坛》2017年第3期9-18,共10页Finance Forum

基　　金：国家自然科学基金项目(71473157、71273164);教育部人文社科青年基金项目(12YJC630157)

摘　　要：基于2003~2015年中国16家上市银行的非平衡面板数据,实证分析资本监管压力通过收入多元化的中介作用对银行稳健性的影响。研究发现,资本监管压力能够约束银行风险行为,提高银行稳健性;收入多元化程度越大,银行稳健性越好;收入多元化在资本监管压力影响银行稳健性的过程中发挥显著的中介作用。因此,提高资本监管压力,能够促使银行拓展收入来源,提高银行稳健性。Based on the non-equilibrium panel data of 16 listed banks in China during 2003-2015, the author of this paper analyzes the influence of capital supervision pressure on the bank stability through the intermediary role of income diversification. It＇s found that the capital supervision pressure can restrain the risk behaviors of banks and improve the bank stability; the greater the degree of income diversification, the better the bank stability is; the income diversification plays a significant intermediary role in the process of capital regulation pressure affecting the bank stability. Therefore, to raise the capital supervision pressure can promote banks to expand the income source and improve the stability.

关 键 词：资本监管压力 收入多元化 上市银行 中介效应 银行稳健性 

分 类 号：F832.33[经济管理—金融学]