摘要
国有银行金融创新能力是评价国有银行绩效的一个重要标准。本文选取2006-2013年中国五大国有银行年报数据,使用Eviews软件对影响国有银行金融创新的各因素进行相关性分析。得出净息差与资本充足率对银行创新能力有着显著地影响,而其他因素对银行创新能力影响不大的结果,并针对金融创新体系提出了中间业务创新、加强风控能力、深化创新水平、改革产权制度模式等政策建议。
State-owned banking ’ s financial innovation is an important criterion for state -owned banks ’ evalu-ation of the performance.The paper select five state -owned Banks＆#39;Annual Report data from 2009 to 2013 in China and analysis each factor correlation by using Eviews.Draw the net interest margin and capital adequacy ratio has a significant influence on the bank innovation ability , and other factors have little influence on the bank innovation a-bility, and puts forward the policy suggestions like intermediate business , strengthen risk control ability , deepen the level of innovation and reform property right system mode for financial innovation system.
出处
《宜春学院学报》
2015年第1期49-54,共6页
Journal of Yichun University
关键词
中间业务收入
创新能力
不良贷款率
资本充足率
净息差
Intermediary business revenue
Innovation capacity
NPL（non -performing loan）ratio
Capital Adequacy Ratio
Net interest margin
