中国银行业多元化业务收入对其利润影响的实证分析

已有的实证研究表明,我国商业银行业务多元化在一定程度上能提高其盈利能力。本文在已有研究的基础上,实证研究了我国商业银行各项业务收入对其利润的影响。研究结果表明,虽然各项业务收入有助于提高银行总利润,但是利息收入、其它营业收入和投资收益却对银行净利润存在明显的负向影响,但当考虑其与是否股份制银行的虚拟变量的交互影响后,发现业务收入对股份制银行的净利润有显著的正向影响。同时,金融企业往来收入、汇兑收益、营业外收入对银行净利润都具有正向影响,其中又以营业收入的边际影响最显著。

Demonstration analysis of China bank industry multi business income's influence on its profit

The former Empirical Analysis indicate that commercial banking's diversification of operation can enhance the ability of payoff in a certain extent. This paper has an Empirical Analysis on the influence of China commercial banking's various business income to its profit. The result of the study indicates that various business income is helpful to enhance the total profit, but the interest income and other business income and yield can form obvious negative influence to the net profit of the bank.. But when considering the alternant influence of various business income and dummy variable of joint- stock bank, it can be found that operation income has obvious active influence to the net profit of joint- stock bank. At the same time, the come- and- go income of finance enterprise and exchange income and the income of outside business can have active influence to the net profit of joint- stock bank. And the marginal influence of the operation income is the most prominent.