管理评论

›› 2016, Vol. 28 ›› Issue (5): 3-12.

• 经济与金融管理 •    下一篇

多元化经营对商业银行绩效影响的实证研究——基于国内商业银行与国外商业银行对比的视角

尚妍1,2, 段忠辉3, 李斌3, 汪寿阳1,4   

  1. 1. 中国科学院大学经济与管理学院, 北京 100190;
    2. 中国工商银行博士后工作站, 北京 100032;
    3. 中国银行总行, 北京 100818;
    4. 中国科学院数学与系统科学研究院, 北京 100190
  • 收稿日期:2014-10-18 出版日期:2016-05-28 发布日期:2016-06-02
  • 作者简介:尚妍,中国工商银行博士后工作站,博士;段忠辉,中国银行,博士;李斌,中国银行,博士;汪寿阳,中国科学院数学与系统科学研究院教授,中国科学院大学经济与管理学院教授,博士生导师,博士。

The Effect of Diversification on Commercial Banks' Performance: A Comparison between China's and Foreign Commercial Banks

Shang Yan1,2, Duan Zhonghui3, Li Bin3, Wang Shouyang1,4   

  1. 1. School of Economics and Management, University of Chinese Academy of Sciences, Beijing 100190;
    2. Post-Doctoral Research Center, Industrial and Commercial Bank of China, Beijing 100032;
    3. Bank of China, Beijing 100818;
    4. Academy of Mathematics and Systems Science, Chinese Academy of Sciences, Beijing 100190
  • Received:2014-10-18 Online:2016-05-28 Published:2016-06-02

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摘要：

本文研究了多元化经营对商业银行长期绩效和短期绩效的影响。通过对收入结构多元化和资产结构多元化分别进行分析,结果显示多元化经营对国内商业银行的影响明显不同于对国外商业银行的影响。本文得到以下结论:(1)非传统业务可显著提高国外商业银行长期和短期绩效;(2)多元化经营可显著提升我国大型商业银行的经营绩效,却不利于我国小型商业银行的发展;(3)在相同条件下,提高非利息业务比例对我国上市商业银行的短期促进作用强于国外商业银行。本文结论为我国不同类型商业银行在金融改革时期的发展模式提供理论依据。

关键词: 商业银行, 多元化经营, 长期绩效, 短期绩效

Abstract:

This paper studies the effects of diversification on commercial banks' long-term performance and short-term performance. By analyzing income-based diversification and asset-based diversification separately, we find that the effect of diversification on the China's commercial banks is significantly different from that on the foreign commercial banks. The main results show that: (1) Nontraditional activities improve both the long-term performance and short-term performance of foreign commercial banks significantly; (2) Diversification could affect China's large-scale commercial banks' performance positively, but has negative effects on China's small-scale commercial banks' development; (3) A higher share of non-interest income in total income improves China's listed commercial banks' short-term performance greater than foreign commercial banks'. These findings provide a theoretical basis about the development mode for different types of China's commercial banks during the financial reform periods.

Key words: commercial bank, diversification, long-term performance, short-term performance