利率市场化对我国商业银行收入结构的影响研究——基于16家上市银行数据的实证

Study on the Influence of the Interest Rate Liberalization to the Revenue Structure of China Commercial Banks——Empirical Analysis on the Data of 16 Listed Banks

利率市场化对我国商业银行转型发展产生了深刻的影响,本文以2008~2015年间16家上市银行的数据作为研究样本,实证分析了利率市场化对商业银行业务收入结构的影响效应。结果表明:利率市场化显著改善了我国商业银行业务收入结构;资产规模、监管压力、风险水平、宏观经济也对业务收入结构具有正向促进作用,而货币供应量快速增长则对业务收入结构起到抑制作用。鉴于此,我国商业银行要保持持续稳健增长,必须加快业务创新步伐,创造新的盈利增长点,以适应利率市场化后的外部竞争环境。

The interest rate liberalization had a profound effect to the transformation and development of China’s commercial banks.We used the micro business data during 2008~2015 of 16 listed banks as the sample,carrying on the empirical analysis for the impact between interest rate liberalization and revenue structure of commercial banks.The study found:the interest rate liberalization reform significantly promote the revenue structure of Commercial Banks of our country;the scale of banks,regulatory pressure,risk level,economic growth also has a positive effect on business innovation;and the money supply can inhibit revenue structure in commercial banks.In view of this,China's commercial banks continued to maintain steady growth,we must accelerate the pace of business innovation,develop non-interest revenue and create new profit growth point,in order to adapt to the external competitive environment after the interest rate marketization.