金融脱媒对大型商业银行盈利能力的影响研究

Research on the impact of financial disintermediation on the profitability of large commercial Banks

在利率市场化和供给侧结构性改革双重背景下,以五大商业银行2007—2015年的数据为样本,研究金融脱媒对大型商业银行盈利的影响。研究表明,金融脱媒带来的矫正效应可以抵消资产脱媒和负债脱媒对大型商业银行利润的影响;银行规模对提高盈利能力有正向作用;不良贷款率和脱媒矫正效应的上升会削弱银行盈利能力。因此大型商业银行应从促进传统业务发展、积极发展中间业务、积极融入互联网金融体系等方面增强盈利能力。

This study analyzes the impact of financial disintermediation on the profitability of large commercial Banks under the context interest-rate liberalization and supply-side reform by taking the data of 5 large commercial Banks from2007 to 2015 as samples.The results show that the correction effect of financial disintermediation can offset the impact from the disintermediation of asset side and the liabilities side to the profits of commercial Banks;the bank size has a positive effect on improving profitability;a rise of the proportion in non-performing loans and non-interest income will weaken Banks’profitability.Therefore,large commercial Banks should enhance their profitability from the aspects of promoting the development of traditional businesses,actively developing the intermediary businesses and integrating into the internet financial system.