收入多元化、市场势力与农村商业银行经营绩效

Revenue diversification,market power and operation performance of rural commercial banks

利用2006—2015年76家农村商业银行的非平衡面板数据,测算Lerner指数,衡量我国农村商业银行市场势力,研究收入多元化、市场势力对农村商业银行经营绩效的影响。结果表明,非利息收入占比与绩效呈倒"U"型关系,市场势力和绩效正相关,但市场势力削弱了非利息收入占比对农商行绩效的影响。市场势力越大,农村商业银行更偏好传统业务而非开展非利息业务。

The present study,by adopting the data of76rural commercial banks during2006-2015,calculating Lerner index and measuring the market power of rural commercial banks in our country,examines the effect of revenue diversification and market power on the operation performance of the rural commercial banks.Findings show an inverted“U”type relationship between the proportion of non-profit revenue and performance.Findings also indicate that the market power of the banks is positively associated with performance,but weakens the effect of the proportion of non-profit revenue on the performance of rural commercial banks.The greater the market power,the more the rural commercial banks prefer traditional business rather than non-interest business.