我国商业银行的多元化经营分析

本文运用企业多元化经营战略理论，引入Entropy指标衡量多元化程度，运用面板数据分析的方法对我国商业银行的多元化经营的绩效进行分析的结论是．我国商业银行多元化经营对经济绩效产生了正向的影响，但影响系数很小；主业水平和规模大小影响商业银行多元化经营的绩效；我国商业银行的多元化经营都未能分散风险，而且股份制商业银行分散风险的效果比国有商业银行差。

An Analysis on Diversification of Chinese Commercial Banks

This paper,based on the theory of diversification strategy,introduces the Entropy index to measure diversification,and analyses the performance of commercial banks' diversified management based on the panel-data.The conclusion indicates: the diversification of commercial banks has a positive effect on performance,but the correlation coefficient is not remarkable,and the outstanding degree of dominate business and the scale of commercial banks also influence the diversification performance.Meanwhile the diversified management of the commercial banks can not disperse risk,the effect of disperse risk of joint-stock commercial banks is worse than the state-owned commercial banks.