中小银行收入结构多元化与经营稳健性研究

Research on the Diversification of Income Structure and Business Robustness of Small and Medium Banks

本文立足于商业银行净息差收窄的背景,分析浙江省内法人银行经营现状,梳理收入结构对中小银行可持续经营和风险承担的影响机理。以此为基础,采用2010~2022年上半年的中小银行经营数据,构建动态面板系统广义矩回归模型(SYS-GMM),实证研究收入业务结构和地域机构对银行经营稳健性的影响,发现受制于经营规模、管理水平、人力资源、信息科技等因素,非利息收入占比对中小银行经营稳健性影响为负、省外利息收入占比对经营稳健性的影响为负。最后,本文建议中小银行回归金融本源,将利息业务作为经营“压舱石”,适当发展非息业务。明确自身发展定位,深耕本地业务,审慎发展省外业务,循序渐进推动省外业务落地生根。

Based on the background of the narrowed net interest margin of commercial banks,this article analyzes the current situation of corporate banks in Zhejiang Province,and sorts out the impact mechanism of income structure on the sustainable operation and risk bearing of small and medium-sized banks.Based on this,using the operational data of small and medium-sized banks from 2010 to the first half of 2022,a dynamic panel system generalized moment regression model(SYS-GMM)was constructed to empirically study the impact of income business structure and regional institutions on the operational robustness of banks.It was found that due to factors such as business scale,management level,human resources,and information technology,the proportion of non interest income had a negative impact on the operational robustness of small and medium-sized banks.The proportion of interest income outside the province has a negative impact on business stability.Finally,this article suggests that small and medium-sized banks should return to their financial roots,use interest business as a"ballast stone"for their operations,and appropriately develop non interest business.Meanwhile,they shoud clearly define their own development positioning,deeply cultivate local businesses,prudently develop businesses outside the province.