国有商业银行负债结构对盈利能力影响研究

The impact of the debt structure of commercial banks on their profitability

利率市场化背景下,利差逐渐收窄,商业银行经营能力迎来新一轮挑战。负债业务是商业银行最基本的业务,是资产和中间业务发展的基础,对商业银行盈利能力有重要影响。采用2010年第二季度至2016年第三季度的国有商业银行负债结构数据考察负债结构变动对商业银行盈利能力的影响,结果表明,被动负债仍是影响商业银行盈利能力最主要的因素。商业银行应积极创新主动负债产品和服务,完善负债结构。

In the context of interest rate marketization, commercial banks＇ business capability is facing a new round of challenges. Debt business is the most basic business of commercial banks, it is the foundation of asset and intermediary business and has a significant impact on profitability. This paper uses the data of the debt structure of the state-owned commercial banks in the second quarter of 2010 to the third quarter of 2016 to examine the impact of the changes in the structure of the liabilities on the profitability of commercial banks. The results show that passive debt is still the most important factor affecting the profitability. Commercial banks should innovate the debt products and services, and improve the debt structure.