【摘要】：采用實證方法,分析綜合化經(jīng)營對中國24家商業(yè)銀行穩(wěn)定性的影響。在控制相關變量后,得出結論:綜合化經(jīng)營對增強全國性商業(yè)銀行的穩(wěn)定性有利。根據(jù)綜合化經(jīng)營與風險之間的"U"型關系,在現(xiàn)階段,我國銀行業(yè)應積極推進綜合化經(jīng)營,并加快完善綜合化經(jīng)營的相關制度與法律框架;監(jiān)管部門應加強綜合化經(jīng)營對風險影響的動態(tài)監(jiān)測,以防范過度綜合化經(jīng)營所造成的風險。鑒于綜合化經(jīng)營對地方性銀行的穩(wěn)定性沒有提高作用,綜合考慮其抗風險能力和服務地方經(jīng)濟的功能,應采用不同的對策。
[Abstract]:This paper analyzes the influence of integrated management on the stability of 24 commercial banks in China. After controlling the relevant variables, it is concluded that comprehensive management is beneficial to the stability of national commercial banks. According to the "U" type relationship between integrated management and risk, at present, the banking industry of our country should actively promote integrated management, and accelerate the improvement of the relevant system and legal framework of integrated management; The supervision department should strengthen the dynamic monitoring of the influence of the integrated management on the risk in order to prevent the risk caused by the excessive comprehensive management. In view of the fact that comprehensive management has no effect on the stability of local banks, different countermeasures should be adopted in view of its anti-risk ability and the function of serving local economy.
【作者單位】： 湖南大學金融與統(tǒng)計學院;
【基金】：國家自然科學基金項目(71373071)的階段性研究成果
【分類號】：F832.33
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本文編號：2132082