我国商业银行盈利性、增长性和充足性分析

资本硬约束下如何更好地协调盈利性和安全性成为我国商业银行急需解决的问题。本文以银行资本充足率为主线,对银行的盈利性、增长性和充足性三者之间的内在联系进行了理论上和实证上的系统性分析。笔者认为三因素存在着相互制约的内在联系,特别值得提出的是,目前我国商业银行一直存在着由高增长带来的“规模情结”,这不仅不利于保证安全性和流动性,也将在追求短期盈利性的同时导致资本约束瓶颈。

China commercial bank's earning money, growing and abundance analysis

How to better coordinate safety and profitability with the tough constraints of capital has became an urgent problems to resolve in China's commercial banks.Based on the bank's capital adequacy ratio for the main line,this paper made theoretical and empirical analysis in the the internal linkages of profitability and growth and adequacy of banks.I think that three factors account linked mutual restraint;Particularly,China's commercial banks have been brought there by the high growth "scale complexes" at present,which is not only conducive to guarantee the safety and mobility,but also leads to capital constraints bottleneck in the pursuit of short-term profit at the same time.