- 相關(guān)推薦
我國商業(yè)銀行業(yè)務(wù)多元化與其盈利能力的實證分析
畢業(yè)論文
我國商業(yè)銀行業(yè)務(wù)多元化與其盈利能力的實證分析
摘要：金融是整個經(jīng)濟體系的1個重要組成部分，商業(yè)銀行作為金融體系中規(guī)模最大的金融機構(gòu)，其盈利能力的強弱關(guān)系到國民經(jīng)濟能否正常地發(fā)展。本文采用Herfindahl指數(shù)衡量商業(yè)銀行的業(yè)務(wù)多元化程度，采用因子分析法得出商業(yè)銀行的綜合盈利能力指標，通過建立加入虛擬變量的回歸模型考察了業(yè)務(wù)多元化對商業(yè)銀行盈利能力的影響。研究結(jié)果表明：業(yè)務(wù)多元化程度與商業(yè)銀行的盈利能力相關(guān)，并且業(yè)務(wù)多元化在1定程度上有助于提高商業(yè)銀行的盈利能力；業(yè)務(wù)多元化對提高國有獨資商業(yè)銀行盈利能力的貢獻大于其對股份制商業(yè)銀行的貢獻。同時，分析了商業(yè)銀行的盈利結(jié)構(gòu)問題，并提出了有針對性的政策建議。
關(guān)鍵詞：商業(yè)銀行；業(yè)務(wù)多元化；盈利能力；實證分析
Demonstration-analyse on the payoff ability of the commercial banks and the multi-operation degree
Abstract: Finance is an important component of the whole economic system. As the maximal financial institution in the financial system, commercial banks’payoff ability has much to do with the normal development of the civil economy. This paper adopts Herfindahl index to measure commercial banks’multi-degree, uses gene-ananlysis method to educe the commercial banks’general payoff ability index, and considers the multi-operation’s effect to the payoff ability of the commercial banks by establishing a regression equation which is swung in a dummy variable. Results show that the multi-operation degree is correlative to the payoff ability of the commercial banks, and multi-operation, to some extent, makes for enhancing commercial banks’payoff ability. Besides, multi-operation’s concentration to the state banks seems to be more than to the joint-stock banks. At the same time, this paper analyses the payoff structure issue of commercial banks and concludes with making some relative policy suggestions.
Key words: commercial banks; multi-operation; payoff-ability; demonstration-analyse
【我國商業(yè)銀行業(yè)務(wù)多元化與其盈利能力的實證分析】相關(guān)文章：
探討我國上市商業(yè)銀行資本結(jié)構(gòu)對盈利能力的影響03-19
我國新股弱勢問題實證分析03-25
上市公司盈利能力和影響因素的實證研究03-24
對現(xiàn)行盈利能力評價指標的分析03-22
企業(yè)盈利能力分析應(yīng)留意的幾個題目03-21
我國外貿(mào)依存度的實證分析.03-19
我國涉外旅游業(yè)收入的實證分析03-07
完善我國地理標志法律保護實證分析03-18