银行业绩和非利息收入多元化:来自中国商业银行的证据
Yuan Zhao1,2, Yixi Mei2,3,4, Jun Wang2,3,4
1School of International Business, Southwestern University of Finance and Economics, Chengdu, China.
PloS one
|May 19, 2025
概括
多元化非利息收入促进了中国商业银行的业绩. 这一策略对在竞争激烈的市场上运营的小型本地银行尤其有利.
科学领域:
- 金融经济学 金融经济学
- 银行学研究 银行学研究
- 商业战略 商业战略
背景情况:
- 商业银行面临着越来越大的压力,需要在传统的利息收入之外多样化收入来源.
- 非利息收入的多元化是提高金融稳定性和利能力的关键策略.
- 了解这种多元化对不同银行类型的影响细微差别对于有效管理至关重要.
研究的目的:
- 实证地研究非利息收入多元化与中国商业银行的业绩之间的关系.
- 分析这种关系在不同类型的商业银行之间如何变化.
- 为银行经理提供可操作的见解,以优化收入多样化策略.
主要方法:
- 从2006年到2020年对159家中国商业银行进行了小组数据分析.
- 实证研究非利息收入多元化对银行业绩指标的影响.
- 异质性分析和相互作用项的检查,以确定差异效应.
主要成果:
- 非利息收入多元化与银行业绩之间存在显著的正相关性.
- 对于服务当地居民的小型和当地商业银行来说,这种积极影响更为明显.
- 较高的市场竞争力放大了非利息收入多样化对业绩的有益影响.
结论:
- 商业银行应积极开展多元化的非利息业务,以提高业绩.
- 平衡利息和非利息收入对于可持续增长至关重要.
- 建议根据银行规模,市场重点和竞争环境量身定制多元化策略.
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