多元化经营与我国商业银行绩效关系研究——基于银行规模和银行性质的视角
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摘要
以我国24家商业银行2008—2016年面板数据为研究对象,基于银行规模和银行性质的视角,实证分析了银行规模对多元化经营与不同性质商业银行绩效关系的调节效应。研究表明:多元化经营对商业银行绩效具有显著促进作用;银行规模对多元化经营与银行绩效具有显著正向调节作用。银行性质是影响银行规模调节作用的重要因素,银行规模对国有商业银行、城市商业银行多元化经营与绩效关系分别发挥着正向、负向调节作用,对全国性股份制商业银行多元化经营绩效关系的调节作用不显著。进一步研究发现,反映资本实力和经营风险的控制变量对调节作用的影响存在差别。研究结论可为银行业的经营管理及金融体制改革提供决策参考。
Based on the perspective of bank size and property,the moderating effect of bank size on diversification and bank performance is empirically analyzed by using the panel data of 24 commercial banks in China from 2008 to 2016. With the study of the total sample of banks,it is found that diversification has a significant role in promoting bank performance, and bank size has a significantly positive moderating effect on diversification and bank performance. Bank property is an important factor that affects the moderating function,and it has been determined by the research that the bank size of state-owned banks and city commercial banks play a positive and negative role in moderating the relationship between diversification and bank performance respectively;and it has no significant regulation to the national joint-stock commercial banks. Further studies show that the control variables,such as capital strength and operating risk play different roles in moderating function of bank size in different bank properties. The research conclusions can provide a reference to the banking operation and further reforms.
Based on the perspective of bank size and property,the moderating effect of bank size on diversification and bank performance is empirically analyzed by using the panel data of 24 commercial banks in China from 2008 to 2016. With the study of the total sample of banks,it is found that diversification has a significant role in promoting bank performance, and bank size has a significantly positive moderating effect on diversification and bank performance. Bank property is an important factor that affects the moderating function,and it has been determined by the research that the bank size of state-owned banks and city commercial banks play a positive and negative role in moderating the relationship between diversification and bank performance respectively;and it has no significant regulation to the national joint-stock commercial banks. Further studies show that the control variables,such as capital strength and operating risk play different roles in moderating function of bank size in different bank properties. The research conclusions can provide a reference to the banking operation and further reforms.
引文
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[6]冉光和,肖渝.市场势力、收入多元化与商业银行绩效[J].金融论坛,2014,(1).
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[12]黄隽,章艳红.商业银行的风险:规模和非利息收入——以美国为例[J].金融研究,2010,(6).
[13]刘傲琼,刘新宇.我国上市商业银行多元化经营与系统风险研究[J].商业研究,2017,(4)2.