摘要
若以地方政府融资平台类贷款影响商业银行效率提高作为切入点,并借助Tobit回归模型对地方政府融资平台类贷款影响商业银行效率的问题进行实证研究就可发现:自2005年至2010年期间,地方政府融资平台类贷款与我国主要商业银行效率在总体上呈负相关关系;商业银行效率随着地方政府融资平台类贷款规模的扩大而降低。这说明,地方政府融资平台类贷款虽然可以为商业银行带来较高收入,但同时会挤出私人贷款,制约银行业务多元化,增加银行风险管理成本,最终降低商业银行整体经营效率,不利于金融市场的进一步发展。
Based on the fact that local government financing platform loans affect commercial bank efficiency, in this paper, we use Tobit regression model to make an empirical research of local government financing platform loan＇s impact on the efficiency of commercial banks. It turns out that during the period from 2005 to 2010, there is a negative correlation between local government finan- cing platform loans and commercial bank efficiency, and efficiency of commercial banks decrease with the expansion of local government financing platform loan scale. It illustrates that the local government financing platform loans could bring profit to commercial banks, but also could squeeze out private loans, restrict bank business diversification, and increase the bank risk management costs, and eventually reduce the overall operation efficiency of commercial banks, it is not beneficial for the further develooment of financial market
出处
《现代财经（天津财经大学学报）》
CSSCI
北大核心
2012年第11期32-40,共9页
Modern Finance and Economics：Journal of Tianjin University of Finance and Economics
基金
教育部人文社会科学研究资助项目(10YSC79088)
北京市高校人才教材资助项目(RHR201008235
PHR201007125)
