摘要
在影响我国商业银行盈利性诸多特征因素中,净利息差和资产规模扩张是我国商业银行的竞争力主要依赖来源,与金融体系开放竞争激烈的欧美国家相比,我国商业银行主要通过资产规模扩张获得利润,利息收入仍然是商业银行盈利的主要来源,缺乏相应的差异化服务和非利息业务,资产质量对国内银行的影响并不显著;合并考虑宏观经济因素后发现,与发达国家的商业银行相比,我国商业银行受益于监管当局的准入限制,在逆周期时期,经济增长速度放缓阶段,我国商业银行依然能够保持高盈利。
Among many factors affecting the characteristics of China＇s commercial banks profitability,the competitiveness of the com- mercial bank in China is mainly dependent on net interest margins and expansion of asset scale. Asset quality is not an significant im- pact on domestic banks. Compared with the commercial banks of developed countries whose financial system are more open and competi- tive, China＇s commercial banks mainly rely on asset expansion profits, and interest income is still the main source of commercial bank profits. The lack of appropriate and differentiated services and non - interest business leads to the negligible impact of asset quality on commercial banks, This paper also finds that after combining with macroeconomic factors China＇s commercial Banks can still maintain a high profit during economic slowdown and those profits benefit from the access restrictions implemented by Chinese regulatory authori- ties.
出处
《经济与管理评论》
2015年第6期99-105,共7页
Review of Economy and Management
关键词
资产质量
经济增长
盈利能力
Asset quality
Economi
growth
Profitability
