影响山东省城市商业银行盈利能力因素的实证分析

Empirical Analysis for Urban Commercial Bank Profitability in Shandong

基于山东省内6家城市商业银行2008～2012年的面板数据,通过建立多元回归模型,对影响山东省城市商业银行盈利能力的相关因素进行实证分析.分析结果发现,山东省城市商业银行的盈利能力与地区生产总值、银行总资产和净息差具有显著的正相关关系;与不良贷款率、存贷比、资本充足率以及流动性负相关,与市场份额没有显著的相关关系.

Based on the panel data of six urban commercial banks in Shandong province from 2008 to 2012, the multiple regression model was used to empirical analyze the effect factors of the urban commercial banks＇ profitability. Results show that the profitability of urban commercial banks in Shandong province is positively correlated with GDP,total assets and net interest margin;negatively with the ratio of non-performing loans, deposit-loan ratio, capital adequacy ratio and liquidity, and no significant correlation with the market share.