摘要
基于我国地方性商业银行2007-2016年的财务数据,本文实证研究了业务多元化对其经营业绩及其风险的影响,以及这种影响在城市商业银行和农村金融机构间的差异。研究发现:总体而言,业务多元化程度对地方性商业银行的经营业绩有正向影响,且这种正向影响在城市商业银行比农村金融机构中更加明显;但是业务的多元化并没有分散地方性商业银行的风险,多元化程度与风险没有显著相关性;对于城市商业银行而言风险越高,其经营业绩越高,高风险带来了高收益;而农村金融机构并没有相似特性。本文对地方性商业银行如何进行多元化战略提出了针对性建议。
Based on the data of local commercial banks from 2007 to 2016,this paper empirically studies the influence of business diversification on the operating performance and risk,and the difference of influence between urban commercial banks and rural financial institutions. The result shows that business diversification has a positive impact on their operating performance as a whole,and the influence on the urban commercial bank is more obvious than rural financial institutions;however, such positive effect doesn’t disperse the risk of the local commercial banks and there is no significant correlation between the level of diversification and risk;what’s more,for the urban commercial banks,if there is higher risk,the operating performance will be better,which is to say high risk brings more profits.But the rural financial institutions have no such similar effect;at last,this paper gives some suggestions on how to carry out diversification strategy for the local commercial banks.
作者
刘青松
Liu Qingsong(PBC Jinan Branch,Shandong Jinan 250021)
出处
《金融发展研究》
北大核心
2019年第10期54-62,共9页
Journal Of Financial Development Research
关键词
地方性商业银行
业务多元化
经营业绩
风险
local commercial banks
business diversification
business performance
risk
