我国上市银行利差决定因素分析

本文对国内2000～2009年间上市银行利差率的决定因素按照银行经营的安全、效率和盈利指标,结合行业和宏观经济状况等因素进行了实证分析。结论表明,虽然股份制上市银行经营状况普遍优于国有银行,但其经营行为可能会部分抵消央行的利率政策,同时股票市场发展对银行经营没有显著性影响。

Determinants of Net Interest Margins of Listed Banks in China

This paper investigates the determinants of bank＇s net interest margins according to the bank＇s principle of security,efficiency,and profitability with the relevant data published by 16 listed commercial banks during period of 2000 to 2009 under the circumstance of banking industry and macro economy.The paper finds that the performance of non-state-owned listed banks would be partly counteracted interest rate policy of central bank,although their performances are better than those of state owned banks.The paper could not find significant effects of stock markets on bank＇s net interest margins.