基于规模、效率及风险的城市商业银行发展影响研究  

Influences of the Development of City Commercial Banks in Terms of Scale,Efficiency and Risk

作　　者：梁鹢 李孟刚[2] LIANG Yi;LI Meng-gang(School of Economics and Management,Beijing Jiaotong University,Beijing,100044;Beijing Research Base of Industrial Security and Development,Beijing Jiaotong University,Beijing,100044)

机构地区：[1]北京交通大学经济管理学院,北京100044 [2]北京交通大学北京产业安全与发展研究基地,北京100044

出　　处：《新疆大学学报（哲学社会科学版）》2021年第4期8-15,共8页Journal of Xinjiang University(Philosophy and Social Sciences)

基　　金：北京市社会科学基金重点项目“北京防范与化解系统性金融风险研究”(19JDYJA001)。

摘　　要：基于2010—2018年29个省市的面板数据,着重分析了我国城市商业银行规模、效率和风险发生变化时,对于地方社会福利水平所产生的影响。研究表明,规模和效率验证了数理模型的结果,可以起到提升社会福利水平的作用;而风险会对社会福利产生消极影响。综合而言,适度扩张规模、着力提升效率、谨慎把控风险是城市商业银行发展的关键环节,也是促进社会福利水平提升的重要抓手。Based on the panel data of 29 provinces from 2010 to 2018 years,this paper focuses on the analysis of the impact of changes in the scale,efficiency and risk of city commercial banks on the local social welfare level.It shows that scale and efficiency verify the results of the mathematical model,which can play a role in improving the level of social welfare,while the conclusion of risk has a negative effect on social welfare.In other words,a moderate expansion of scale,efforts to improve the efficiency,and careful control of risks are the key links for the development of urban commercial banks,and also an important aspects in promoting the level of social welfare.

关 键 词：城商行发展 社会福利水平 影响因素 

分 类 号：F26[经济管理—国民经济]