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贷款多元化对上市商业银行绩效影响的实证研究

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摘要 本文采用16家上市商业银行2005-2013年的数据,考察了贷款的行业多元化和地区多元化对商业银行绩效的影响。研究发现,商业银行贷款的行业多元化有助于商业银行降低营业成本,但对于商业银行的资产收益率以及风险状况无明显影响。贷款的地区多元化使商业银行经营成本提高,资产收益率下降,而风险状况也有所提高。因此,贷款地区多元化不利于商业银行的绩效改善。
作者 高薛 陈奥
机构地区 中央财经大学
出处 《消费导刊》 2015年第2期143-143,共1页
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