我国商业银行非利息业务影响因素研究:基于区域经济发展的视角  

A Study on the Determinant of Banks’Non-interest Business:from the Perspective of Regional Economic Development

作　　者：赵红[1] 汪玉 付俊文[2] 李依颖 ZHAO Hong;WANG Yu;FU Jun-wen;LI Yi-ying(School of Management, Xi’an Jiaotong University, Xi’an 710049, China;Xi’an Branch, People's Bank of China, Xi’an 710075, China;School of Economics and Trade, Henan University of Engineering, Zhengzhou 451191, China)

机构地区：[1]西安交通大学管理学院,陕西西安710049 [2]中国人民银行西安分行,陕西西安710075 [3]河南工程学院经济贸易学院,河南郑州451191

出　　处：《湖南大学学报（社会科学版）》2021年第5期69-76,共8页Journal of Hunan University(Social Sciences)

基　　金：教育部人文社会科学规划项目:我国商业银行理财产品流动性风险形成机理以及传染机制研究(18YJA790112);陕西省社会科学基金项目:推动陕西文化产业高质量发展研究:基于金融与产业深度融合视角(2018D43)。

摘　　要：以2002-2020年国内48家在异省无分支机构的城市商业银行作为研究样本,基于区域经济视角探究我国银行非利息业务,研究结果表明从总体样本来看,区域经济发展与银行非利息业务发展之间存在显著的正U型关系,当人均GDP高于24330元或地区GDP超过1万亿元时,其银行非利息业务水平会随着区域经济发展水平的提高而提高;从分样本来看,除东南沿海地区外,我国其他地区的区域经济发展与银行非利息业务发展之间存在显著的正U型关系。This paper collects the data of 48 Chinese city commercial banks that have no branches in different provinces from the years 2002-2020,and explores non-interest banking services in China from the perspective of regional economy.The result shows that In terms of the overall sample,there is a significant positive U-shaped relationship between regional economic development and the development of non-interest banking services.When GDP per capita is higher than 24,330 Yuan,or the provincial GDP is higher than 1000 billion Yuan,the level of non-interest business of banks increases with the rising of regional economic development level.From the sub-sample,there is a significant positive U-shaped relationship between regional economic development and the development of banks'non-interest business in China,except for the southeast coastal region.

关 键 词：城市商业银行 非利息业务 区域经济 

分 类 号：F830.33[经济管理—金融学]