利率市场化对商业银行盈利水平的实证分析

An Empirical Analysis of the Interest Rate Liberalization on the Profitability of Commercial Banks

利率市场化背景下,银行业的市场竞争越来越激烈,给传统的银行存贷款业务带来一定冲击。为分析在利率市场化推进过程中我国商业银行盈利方面的影响因素以及利率市场化对商业银行盈利能力的作用机理,本文选取了14家上市商业银行10年的数据,进行面板回归模型构建,采用实证方法检验影响商业银行盈利能力的具体因素,并对不同规模商业银行受到利率市场化的影响进行了对比研究,据此提出增强其盈利能力的对策。

Under the background of interest rate liberalization,the market competition of the banking industry is getting more and more fiercer,which brings certain impact to the traditional bank deposit and loan business.To analyse the influencing factors of China s commercial banking profits and the mechanism of the interest rate marketization on the profitability of commercial banks in the process of interest rate liberalization,this article selects the data of 14 listed commercial banks in the past 10 years,constructs a panel regression model,and then empirically tests the specific factors that affect the profitability of commercial banks.A comparative study is conducted on the influence of interest rate liberalization on commercial banks of different sizes,and accordingly proposes countermeasures to enhance their profitability.