我国商业银行资本结构影响因素的实证分析

Empirical Analysis on the Factors Affecting the Capital Structure of Chinese Commercial Banks

以4家国有商业银行和7家股份制商业银行在1994—2002年间财务报告所提供的相关数据,对我国商业银行资本结构的影响因素进行了实证分析。研究结果表明,银行规模、获利能力、资产担保价值、通货膨胀率对银行资本结构的选择有显著的影响,而成长性则对银行资本结构没有显著的作用。

Based on the relevant data that the financial report offered by 4 state-run commercial banks and 7 shareholding commercial banks in the period of 1994-2002, this paper makes empirical analysis on the influencing factors of Chinese commercial banks＇ capital structure, the result of which indicates that the bank scale, earning capacity, value of assets guarantee, inflation rate have remarkable influence on the choice of bank＇s capital structure, and the growth has no remarkable function on the bank＇ s capital structure.