我国商业银行综合经营的效果验证

Test on Effect of China’s Commercial Bank Integrated Business

近年来,银行业竞争压力日益严峻、客户需求逐渐多元化,我国各大金融机构都以不同形式开展综合经营,以此追求不同金融业务间的协同效应。本文在分析银行业综合经营现状的基础上,利用近7年的银行业公开数据和商业银行综合化经营的资产增长模型,对整体银行业和各家主要商业银行进行了综合经营协同效应的检验,并就实证结论进行了相应分析。

In recent years, severe international competition in banking industry and increasingly diversified customer demand challenge China＇ s financial industry sub-sector management. At present, the major financial institutions have developed an integrated business in various ways, to pursuit of different synergies between financial services. Based on the current integrated business status of Chinese banking, the paper examines the annual report data of major banks in 7 years, and uses the asset growing model to test the effect of their integrated business, and thus respectively come to the conclusions of the whole banking industry and several major banks.