商业银行收入结构多样化对经营效率的影响研究

Research on the Impact of Income Structure Diversification of Commercial Banks on Operating Efficiency

随着我国改革开放的不断深入,商业银行迎来了新的机遇。本文采用混合OLS和固定效应回归方法,对2011-2018年我国95家商业银行的面板数据进行实证分析,研究商业银行收入结构多样化对经营效率的影响,并采用广义矩估计方法进行稳健性检验,研究结论表明:(1)商业银行收入结构多样化能够提升综合效率;(2)商业银行收入结构多样化对综合效率中纯技术效率提升较大,对规模效率无显著影响;(3)商业银行上市对收入结构多样化和经营效率的关系具有调节作用,商业银行上市使得收入结构多样化对综合效率和技术效率的提升效果更明显。因此,我国商业银行应进行收入结构的优化与转型,并提升业务多元化水平。

With the continuous deepening of market-oriented reforms, commercial bank operations and businesses have ushered in new opportunities and challenges. This paper has used Mixed OLS and Fixed Effect regression methods to conduct an empirical analysis of panel data of 95 commercial banks in China from 2011 to 2018, and has used Generalized Method of Moments estimation method to test the robustness. Through those methods, this paper has studied the impact of diversification of bank income structure on operating efficiency, and the moderating effect of the variable on the relationship between the two.The conclusions obtained are as follows:(1) Diversification of bank income structure can improve Overall Technical Efficiency;(2) Diversification of bank income structure greatly improves Pure Technical Efficiency of Overall Technical Efficiency, but has no significant impact on Scale Efficiency;(3) Diversified income structure of listed banks has a greater effect on the improvement of Overall Technical Efficiency and Pure Technical Efficiency.