本文選題：城市商業(yè)銀行 + 跨區(qū)域經(jīng)營(yíng)��； 參考：《中央財(cái)經(jīng)大學(xué)學(xué)報(bào)》2016年10期

【摘要】：筆者基于2009—2014年中國(guó)102家城市商業(yè)銀行的數(shù)據(jù),運(yùn)用倍差法與面板門限回歸等方法,分析了經(jīng)濟(jì)下行背景下跨區(qū)域經(jīng)營(yíng)對(duì)銀行盈利能力、風(fēng)險(xiǎn)水平和綜合績(jī)效的影響。結(jié)果發(fā)現(xiàn),在GDP增速放緩的前提下,跨區(qū)域經(jīng)營(yíng)有助于提升城市商業(yè)銀行的收益水平,并且其盈利能力隨著同業(yè)業(yè)務(wù)所占比重的上升而提高;總體而言,跨區(qū)域經(jīng)營(yíng)增加了城市商業(yè)銀行的風(fēng)險(xiǎn),但開展同業(yè)業(yè)務(wù)較多的銀行的跨區(qū)域經(jīng)營(yíng)戰(zhàn)略卻起到了分散風(fēng)險(xiǎn)的作用;綜合考慮銀行的資本充足性、資產(chǎn)質(zhì)量、管理水平、盈利能力和流動(dòng)性等因素時(shí),跨區(qū)域經(jīng)營(yíng)不利于城市商業(yè)銀行績(jī)效的提高,但上述現(xiàn)象在同業(yè)業(yè)務(wù)占比較高的銀行中并不明顯。筆者的研究為新常態(tài)時(shí)期城市商業(yè)銀行跨區(qū)域經(jīng)營(yíng)的效果提供了經(jīng)驗(yàn)證據(jù),也為監(jiān)管當(dāng)局進(jìn)一步完善相關(guān)政策法規(guī)提出了政策建議。
[Abstract]:Based on the data of 102 urban commercial banks in China from 2009 to 2014, the author analyzes the influence of cross-regional operation on the profitability, risk level and comprehensive performance of banks under the background of economic downturn by using the method of double difference and panel threshold regression. The results show that under the premise of slower GDP growth, cross-regional operation helps to improve the income level of urban commercial banks, and its profitability increases with the increase of the proportion of interbank business. Cross-regional operation increases the risk of urban commercial banks, but the cross-regional management strategy of banks with more interbank business plays a role in dispersing risks, considering comprehensively the capital adequacy, asset quality and management level of banks. In the case of profitability and liquidity, cross-regional management is not conducive to the improvement of the performance of urban commercial banks, but the above phenomenon is not obvious in the banks with higher interbank business. The author's research provides empirical evidence for the effect of cross-regional operation of urban commercial banks in the new normal period, and also provides policy recommendations for the regulatory authorities to further improve the relevant policies and regulations.
【作者單位】： 北京工商大學(xué)經(jīng)濟(jì)學(xué)院;浙江工業(yè)大學(xué)經(jīng)貿(mào)管理學(xué)院;
【基金】：國(guó)家社科基金一般項(xiàng)目“中國(guó)跨境投資企業(yè)的外匯風(fēng)險(xiǎn)敞口測(cè)度、對(duì)沖動(dòng)因與效果評(píng)價(jià)研究”(項(xiàng)目編號(hào):15BGL020) 教育部人文社會(huì)科學(xué)青年基金項(xiàng)目“證券市場(chǎng)異常波動(dòng)背景下價(jià)格限制類交易機(jī)制對(duì)市場(chǎng)質(zhì)量的影響:基于效率與公平的視角” 首都流通業(yè)研究基地項(xiàng)目(項(xiàng)目編號(hào):JD-YB-2016-022)
【分類號(hào)】：F832.33

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