银行竞争对银行经营绩效的影响研究  

A Study on the Impact of Bank Competition on Bank Business Performance

作　　者：郭田勇[1] 许宁 Guo Tianyong;Xu Ning

机构地区：[1]中央财经大学金融学院

出　　处：《宏观经济研究》2024年第11期4-17,127,共15页Macroeconomics

摘　　要：本文基于中国商业银行2010—2022年的面板数据,考察了银行竞争对银行经营绩效的影响及其作用机制。研究发现,银行竞争会对银行经营绩效产生非线性影响。中国银行市场处于倒U型曲线拐点右侧区域,适当增加银行竞争可以提高银行经营绩效。对于股份制银行、城商行和农商行而言,银行竞争与银行经营绩效之间呈倒U型关系;对于国有大型银行而言,银行竞争会显著提升银行经营绩效。机制分析结果表明,净利差和非利息收入在银行竞争影响银行经营绩效的过程中发挥了重要作用。研究结论对于深化各类银行机构改革、通过市场竞争促进银行业高质量发展具有重要的政策启示。This article examines the impact of bank competition on bank business performance and its mechanism of action based on panel data of Chinese commercial banks from 2010 to 2022.It is found that bank competition has a nonlinear impact on bank business performance.China's banking market is in the region to the right of the inflection point of the inverted U-shaped curve,and an appropriate increase in bank competition can improve bank business performance.Compared with large state-owned banks and joint-stock banks,the effect of bank competition on business performance is more significant in urban commercial banks and agricultural commercial banks.The results of the mechanism study show that net interest margin and non-interest income play an important role in the process of bank competition affecting bank business performance.The findings have important policy implications for deepening the reform of various banking institutions and promoting the high-quality development of the banking industry through market competition.

关 键 词：银行竞争 经营绩效 净利差 非利息收入 

分 类 号：F83[经济管理—金融学]