期刊文献+

中国商业银行业务多元化与净利差关系研究

下载PDF
导出
摘要 本文通过引入其他收益性资产占比反映业务多元化程度,采用1993~2011年24家中国商业银行的非平衡面板数据作为样本,运用系统广义矩估计方法对业务多元化和净利差相互间的关系进行了实证分析,研究发现:业务多元化与净利差相互之间存在着正相关关系,开展表外业务可以提高利息收入,而利息收入的提高反过来也可以促进非利息收入的增长。因此,我国商业银行应该积极开展新的表外业务,进行多元化经营,逐渐变更盈利模式以应对日益激烈的竞争。
作者 明翠玲
出处 《金融经济(下半月)》 2015年第1期170-172,共3页
  • 相关文献

参考文献4

  • 1Rogers, Sinkey, An analysis of non - traditional activities at US commercial banks [ J]. Review of Financial Econom- ics, 1999.
  • 2Valverde, S. , Fernandez, F. , The determinants of bank mar- gins in European banking [ J]. Journal of Banking and Fi- nance, 2007.
  • 3James Nguyen, The relationship between net interest margin and noninterest income using a system estimation approach [ J ]. Journal of banking and Finance,2012.
  • 4隋聪,纪兴宇,迟国泰.中国商业银行业务多元化对净利差的影响研究[J].预测,2014,33(3):34-39. 被引量:6

二级参考文献21

  • 1Lepetit L, Nys E, Rous P. The expansion of services in European banking: implications for loan pricing and interest margins [ J]. Journal of Banking and Finance, 2008, 32( 11 ) : 2325-2335.
  • 2Rose P S. Diversification of the banking firm [ J ]. The Financial Review, 1989, 24(2) : 251-280.
  • 3Kwast M. The impact of underwriting and dealing on bankreturn and risk [J]. Journal of Banking and Finance,1989, 13(1) : 101-125.
  • 4Templeton W, Severiens J. The effect of non-bank diver-sification on bank holding companies [J]. Journal ofBusiness and Economics, 1992, 31(4) : 3-6.
  • 5Campa J M, Kedia S. Explaining the diversificationdiscount [J]. Journal of Finance, 2002 , 57 ( 4): 1731-1762.
  • 6Stiroh K J, Rumble A. The dark side of diversification.the case of US financial holding companies [J]. Journalof Banking and Finance, 2006, 30(8) : 2131-2161.
  • 7Lepetit L, Nys E, Rous P. Bank income structure andrisk : an empirical analysis of European banks[J]. Journalof Banking and Finance, 2007, 32(8) : 1452-1467.
  • 8DeYoung R, Roland K. Product mix and earnings volatilityat commercial banks : evidence from a degree of totalleverage model [J]. Journal of Financial Intermediation,2001, 10(1); 54-84.
  • 9Stiroh K. Diversification in banking: is non-interestincome the answer [J] . Journal of Money,Credit andBanking, 2002, 36(5) : 853-882.
  • 10Saunders A, Walter I. Universal banking in the UnitedStates . what should we gain? What could we lose[M].New York: Oxford University Press, 1994. 12-35.

共引文献5

相关作者

内容加载中请稍等...

相关机构

内容加载中请稍等...

相关主题

内容加载中请稍等...

浏览历史

内容加载中请稍等...
;
使用帮助 返回顶部