金融租赁对商业银行集团多元化绩效的影响  

Analysis on the Impact of Financial Leasing on the Diversification Performance of Commercial Bank Groups

作　　者：林兴[1] LIN Xing(School of Finance,Fujian Jiangxia University,Fuzhou,350108,China)

机构地区：[1]福建江夏学院金融学院,福建福州350108

出　　处：《福建江夏学院学报》2022年第3期44-52,共9页Journal of Fujian Jiangxia University

基　　金：福建省社科规划社科研究基地重大项目资助“融资租赁公司市场退出机制研究”(FJ2021MJDZ042);福建省财政厅项目“打造东南沿海融资租赁重要现代产业基地研究课题”(闽财指〔2019〕926)。

摘　　要：基于18家控股金融租赁公司的商业银行集团2015—2019年面板数据,实证分析金融租赁业务对商业银行控股公司绩效的影响。回归结果表明,金融租赁公司总资产规模的扩大有助于提升商业银行控股公司集团总资产收益率,集团净利差的扩大和不良率的下降均对提升商业银行控股公司集团绩效有着显著影响。商业银行控股公司应注重提升与金融租赁公司之间存在着的协同效应,从总资产规模、净利差、应收融资租赁款不良率等方面着手,进一步促进商业银行控股公司业务转型、提高风险防范能力,不断提升经营绩效。Based on the 2015-2019 panel data of 18 commercial banking groups holding financial leasing companies,the impact of financial leasing business on the performance of commercial bank holding companies is analyzed empirically.The regression results show that the expansion of the total assets of financial leasing companies helps to improve the return on total assets of commercial bank holding company groups,and the expansion of the group's net interest margin and the decline in the NPL ratio have a significant impact on improving the performance.Commercial bank holding companies should focus on enhancing the synergy existing between them and the financial leasing companies,further promote the business transformation,improve their risk prevention capabilities,and continuously improve their operating performance in terms of total asset scales,net interest margins,and non-performing rates of financial lease receivables.

关 键 词：金融租赁 商业银行控股公司 多元化经营 协同效应 

分 类 号：F830[经济管理—金融学]