商业银行贷款规模分配及盈利的计量分析

Measurement analysis of credit scale distribution and profit of commercial banks

针对商业银行的贷款规模分配及盈利,首先利用中国商业银行历史数据,选择利差收入为主要来源.然后运用最小二乘法及线性规划法,分别建立回归预测及线性规划等模型,运用STATA及EXCEL等软件求解,得到预测的2018存、贷款增量、在保证全行增量存贷款利息净收入最大的情况下,商业银行A各分行贷款规模的分配方案、贷款总额增加的情况下商业银行A各分行贷款规模的分配方案、各行的最低备付金额以及结果的不足这一系列的结论.

The allocation of loan scale and profit for commercial banks. Firstly,China Commercial Bank historical data,the choice of interest rate income as the main source. Then,using the methods of least squares and linear programming,regression prediction and linear programming models are established,and STATA and EXCEL are used to solve the problem. Predicted 2018 deposits,loan increments,distribution plans for each branch of commercial bank A with the largest net income of interest on incremental deposit and loan,allocation plans for each branch of commercial bank A with the increase in the total amount of loans,minimum provision for each branch of commercial bank,and results The inadequacy of this series of conclusions.