中国上市商业银行监管资本结构对其经营绩效影响研究

Research on the Influence of Regulatory Capital Structure on the Business Performance of Chinese Listed Commercial Banks

利用中国2010-2018年34家上市商业银行的非平衡面板数据,利用因子分析法与动态面板固定效应模型针对商业银行监管资本结构对其经营绩效影响问题进行研究,同时选取高因子载荷指标与资本比倒数进行稳定性检验。结果表明,二级资本占比的提高与银行经营绩效的增长有显著正向关系。同时发现资本充足率的提高对国有大型商业银行绩效增长有显著正向影响,对城商行与农商行绩效增长有显著负向影响。

This paper uses the unbalanced panel data of 34 listed commercial banks in China from 2010 to 2018,having a study on the impact of business performance with the regulatory capital structure by using the factor analysis method and dynamic panel fixed effect model.And the stability test is carried out by selecting the high factor loadings and the capital ratio reciprocal.The results show that the increase in the proportion of Tier 2 capital in the regulatory capital of listed commercial banks has a significant positive effect on the growth of business performance.