新冠疫情冲击对商业银行经营影响分析

Analysis of the Impact of the COVID-19 on the Operation of Commercial Banks

2020年新冠肺炎疫情的爆发在一定程度上改变了商业银行的经营行为,对其风险水平、盈利能力、流动性等方面造成冲击。不论是作为宏观调控政策传导渠道,还是作为服务实体经济平台,商业银行在促进经济稳定发展方面都发挥着举足轻重的作用。本文从信用风险暴露、流动性管控和盈利水平等方面分析疫情对商业银行的影响,并基于32家上市银行数据进行实证分析,最后提出商业银行要回归服务实体经济本源、进一步强化风险管理、加快数字化转型等政策建议。

The outbreak of COVID-19 in 2020 has changed the business behavior of commercial banks to a certain extent,which will have a certain impact on its risk level,profitability,liquidity and other aspects.Whether as an important channel for the transmission of macro-control policies or as an important platform to serve the development of the real economy,commercial banks play a pivotal role in promoting stable economic development.This paper analyzes the impact of the epidemic on commercial banks from three aspects:risk exposure,liquidity control and profitability,and conducts an empirical analysis on the data of 32 listed banks.Finally,it is proposed that commercial banks should return to serving entities,further strengthening risk management,and accelerating the development of digital transformation.