中东欧国家银行业多元化经营对传统业务影响分析

The Analysis of CEE Banks' Diversified Business Impact on Traditional Business

本文利用中东欧10国193家银行1997～2010年的面板数据,检验银行业多元化经营对银行传统业务收入的影响。实证结果显示,银行多元化经营会降低银行的传统业务收入。从细分的多元化经营项目看,佣金收入、证券买卖收入以及其他收入也均会显著降低银行的传统业务收入。此外,多元化经营会使银行低估贷款风险,从而增加银行风险。实证结果还表明,银行多元化经营集中度指标与银行利息项收入呈显著正相关关系,这说明银行如果过度追求多元化经营会降低银行利息项收入。

This paper analyses the impact of diversification of bank on the traditional business income of the bank by using the data of 193 banks of 10 CEE countries during the period of 1997 ～ 2010.The empirical results show that diversification reduces the traditional business income of the banks.And diversification incomes such as commission income,securities trading income and other income significantly reduce the traditional business income of the banks.In addition,diversification will make banks underestimate the risk of traditional businesses,thus increasing the risks of banks.If the banks do not pursuit diversified,but focus on specific operation,which will form comparative advantage,it is possible to increase banks' interest income.