收入多样性对我国商业银行经营业绩的影响
摘要
研究了银行收入多样性受哪些因素影响,收入来源多样化和非利息收入比重对银行收益与风险的影响。结果表明,收入多样性与非利息收入对银行的收益并没有明显的影响,却显著的影响了银行的经营风险,因此银行既需要丰富收入来源,同时也要保持各个收入来源的比例处于最优状态。
引文
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[2]De Young R,Rice T.Noninterest Income and Financial Performance at US Commercial Banks[J].Financial Review,2004,39(01):101-127.
[3]Baele L,De Jonghe O,Vander Vennet R.Does the Stock Market Value Bank Diversification?[J].Journal of Banking&Finance,2007,31(07):1999-2023.
[4]Chiorazzo V,Milani C,Salvini F.Income Diversification and Bank Performance:Evidence from Italian Banks[J].Journal of Financial Services Research,2008,33(03):181-203.
[5]Pennathur A K,Subrahmanyam V,Vishwasrao S.Income Diversification and Risk:Does Ownership Matter?An Empirical Examination of Indian Banks[J].Journal of Banking&Finance,2012,36(08):2203-2215.
[6]Li L,Zhang Y.Are There Diversification Benefits of Increasing Noninterest Income in the Chinese Banking Industry?[J].Journal of Empirical Finance,2013,24(24):151-165.
[7]De Young R,Roland K P.Product Mix and Earnings Volatility at Commercial Banks:Evidence from a Degree of Total Leverage Model[J].Journal of Financial Intermediation,2005,1(01):54-84.
[8]Esho N,Kofman P,Sharpe I G.Diversification,Fee Income,and Credit Union Risk[J].Journal of Financial Services Research,2006,27(03):259-281.
[9]Stiroh K J.New Evidence on the DeterminAnts of Bank Risk[J].Journal of Financial Services Research,2006,30(03):237-263.
[10]Stiroh K J,Rumble A.The Dark Side of Diversification:The Case of US Financial Holding Companies[J].Journal of Banking&Finance,2006,30(08):2131-2161.
[11]Stiroh K J.Diversification in Banking:Is Noninterest Income the Answer?[J].Journal of Money,Credit,and Banking,2004,36(05):853-882.
[12]Sanya S,Wolfe S.Can Banks in Emerging Economies Benefit from Revenue Diversification?[J].Journal of Financial Services Research,2011,40(01-02):79-101.