地方经济增长对中国城市商业银行绩效影响研究

On the Impact of Local Economic Growth on the Performance of Chinese City Commercial Bank

本文探讨了中国地方经济增长对城市商业银行绩效的影响。我们选取了城市商业银行的ROA和ROE作为被解释变量,地方GDP增长率作为解释变量,运用面板数据混合模型和个体随机和固定效应模型对两者相关性进行了检验。研究结果证明,地方经济增长率对城商行的绩效有显著的正相关性。这一发现表明,地方经济增长会提升城市商业银行的绩效,从而促进地方的金融发展,反过来金融发展也可以促进经济增长,形成良性循环。

This article probes into the influence of local economic growth on the performance of city commercial banks. We selected Return on Assets （ROA） and Return on Equity（ROE）of City Commercial Banks as our explained variables, Local GDP as our explaining variable, used panel data hybrid model and the individual random and fixed effect model, and examined the co- relationship between them. These findings suggest that local economic growth will promote the performance of city commercial banks and stimulate the development of local finance. On the other hand, local finance development will also promote the local economic growth, and so to form a benign cycle.