地区市场化进程与商业银行绩效——基于我国商业银行的经验证据

The Process of Regional Marketization and Commercial Banks' Performance——Empirical Evidence from Chinese Commercial Banks

商业银行的绩效问题一直是学术界和实务界关注的重点。但是以往研究较少从制度变迁角度研究商业银行的绩效问题。本文基于市场化改革的角度,检验了市场化进程对商业银行绩效水平的影响。研究结果表明:市场化程度较高的地区,商业银行的业绩更好,具体表现为更高的净利息收益率和更好的成本控制水平,但是中间业务收益率并未显著提升。本文丰富了商业银行绩效领域的研究,提供了制度环境如何影响商业银行绩效的经验证据,对我国银行业改革具有一定的政策参考意义。

Commercial banks' performance is one of the most important issues in the academia and industry. However, previous research does not examine the relationship between marketization and commercial banks' performance. This paper focuses on the effects of marketization on commercial banks' performanc,and provides empirical evidence that areas with higher degree of marketization cultivate better performance of commercial banks. The conclusion enriches researches about commercial banks' performance and thus has political significance to the ongoing banks reform.