摘要
本文利用16家上市商业银行2008—2019年的面板数据,采用多元回归模型量化分析利率市场化及相关控制变量对银行绩效的影响。研究发现:利率市场化指数对商业银行绩效有显著正向影响,但其平方项有显著负向影响;资本充足率对商业银行绩效有显著正向影响。因此,银行应优化资产管理,提高资产流动性;夯实传统存贷款业务;严控贷款流程,提高贷款质量。
Based on the panel data of 16 listed commercial banks from 2008 to 2019,this paper uses multiple regression model to quantitatively analyze the impact of interest rate liberalization and related control variables on bank performance.The results show that the interest rate liberalization index has a significant positive effect on the performance of commercial banks,but its square term has a significant negative effect.Capital adequacy ratio has a signifi cant positive impact on the performance of commercial banks.Therefore,banks should optimize asset management and improve asset liquidity,consolidate the traditional deposit and loan business,strictly control the loan process and improve the loan quality.
作者
项杰
段丁强
赖若岚
XIANG Jie(School of Economics,Wuhan Textile University Wuhan,Hubei 430200)
出处
《中国商论》
2022年第1期97-99,共3页
China Journal of Commerce
关键词
利率市场化
商业银行
绩效分析
实证分析
interest rate liberalization
commercial banks
performance analysis
the empirical analysis