我国商业银行收入结构对盈利能力的影响研究——以25家上市银行为例  

Analysis Of The Impact On Commercial Bank Income Structure On Profitability——Take 25 Listed Commercial Banks For Example

作　　者：南永佩 宋良荣[1] NAN Yong-pei;SONG Liang-rong(College of Management,University of Shanghai for Science and Technology,Shanghai 200093,China)

机构地区：[1]上海理工大学管理学院,上海200093

出　　处：《中国林业经济》2018年第2期96-100,共5页China Forestry Economics

摘　　要：通过25家上市商业银行(划分为四类:5家国有控股商业银行、8家全国性股份制商业银行、7家城市商业银行和5家农村商业银行)的相关收入指标和盈利指标建立面板数据模型,进行回归分析。实证研究表明:(1)"利息差"和"GDP增长率"对商业银行的盈利能力有显著的正效应,而"成本收入比"对商业银行的盈利能力有负向的影响;(2)"非利息收入占比"对商业银行盈利能力差异化的影响将会越来越重要;(3)银行的资产规模要与其发展能力相匹配。This paper mainly studies the impact of income structure of China's commercial banks on its profitability.Panel data model is established based on the relevant income and profit indicators of 25 listed commercial banks,and then regression analysis(Among them,divided into four categories:five state-controlled commercial banks,eight national joint-stock commercial banks,seven city commercial banks and five Home rural commercial bank).The empirical studies show that:①"interest rate difference"and"GDP growth rate"have a significant positive effect on the profitability of commercial banks while"cost-income ratio"has a negative impact on the profitability of commercial banks;②The impact of"non-interest income ratio"on the differentiation of profitability of commercial banks will become more and more important;③The bank's asset size should match its capability of development.

关 键 词：商业银行 收入结构 盈利能力 

分 类 号：F830.33[经济管理—金融学]