基于面板数据模型的我国农村商业银行可持续发展能力分析

Analysis of the Sustainable Development Ability of Rural Commercial Bank: Based on the Panel Data Model

本文通过构造面板数据模型分析了我国各区域农村商业银行的可持续发展能力,结果发现,农村商业银行的利润主要来源于利差,时间因素的变化对农村商业银行发展也存在不同影响,东部地区农村商业银行的可持续发展能力明显强于中西部地区,从供给角度看,这与当地政府的政策扶持及各机构的创新能力等有较大关系。

By constructing panel data model, this paper analyses the sustainable development ability of regional rural commercial banks. The results show that rural commercial bank＇s profit comes mainly from spreads;The time fac-tor has different effect on rural commercial banks’ development;sustainable development ability of rural commercial bank in east area is stronger than the Midwest and it strongly relates to the local government＆#39;s policy support and innova-tion.