摘要
本文利用我国城市商业银行2007-2011年跨区域经营数据进行实证研究,发现短期内我国城商行难以通过跨区经营来改善经营绩效。通过具体分析城商行总部和异地分行所在城市的经济与金融发展水平对其经营的影响,得出以下结论:总部所在地区经济发展能够提高城商行盈利能力,降低经营风险,而金融发展水平的提高同时降低了城商行的盈利能力和经营风险;异地分行所在地区的经济与金融发展水平越高,其跨区域经营越容易面临不利影响。
In this paper, we use 2007 -2011 China's city commercial banks data to empirically study cross-regional operation. The results show that, in the short term, it is difficult for these banks to improve performance by cross-regional operation. By analyzing the level of cities' economy and financial development of city banks' headquarters and branches, we come to the conclusion that headquarter area's economic development can improve the city commercial banks' profitability, reduce the business risk, and financial development level can reduce profitability and risk at the same time; higher level of economic and financial development of branch area makes the bank more vulnerable to the adverse effects.
出处
《财经论丛》
CSSCI
北大核心
2013年第6期39-45,共7页
Collected Essays on Finance and Economics
基金
国家自然科学基金资助项目(71272183
71172066)
关键词
城市商业银行
跨区域经营
地区经济
金融发展
city commercial banks
cross-regional operation
regional economy
financial development