我国商业银行资本结构微观影响因素的研究

An Analysis of the Microscopic Influencing Factors for the Capital Structure of Chinese Commercial Banks

伴随我国金融市场的逐步开放,大批外资银行涌入,余额宝、快钱等金融产品和P2P网贷、众筹融资等网络金融服务平台的强势介入,国内银行业的竞争异常激烈。银行作为一个特殊企业,如何合理的调整资本结构,控制经营风险,提高经营业绩,研究银行的资本结构就成为一个急迫的问题。于此,基于灰色关联度从微观层次分析我国上市银行资本结构的影响因素,并根据实证结果提出相关建议。

With the opening of domestic financial market,the influx of foreign Banks,YuEbao,Quick Money,P2P network and other financial products make competition in the domestic banking industry more and more fierce.It has become an urgent problem for banks,special enterprises,to adjust capital structure reasonably,control operational risks,improve business performance,and study the bank＇s capital structure.From microscopic level based on grey correlation degree analysis of influencing factors for the capital structure of the listed banks in our country,this article puts forward related suggestions according to the empirical results.