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The Influence of Revenue Structure on Bank Performance of Listed Banks in China: An Empirical Study on 16 Listed Commercial Banks

机译:收入结构对我国上市银行银行绩效的影响:16个上市商业银行的实证研究

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With the continuous promotion of interest rate marketization, the profitability and the traditional business model of Chinese commercial banks are affected by a number of factors such as narrowing of net interest margin. Based on the quarterly report data (2010-2018) of 16 listed banks in China, this paper uses panel data method to study the factors influencing the performance level of Chinese commercial banks under interest rate marketization. The result shows that the performance is positively associated with fees and commission income, and negatively associated with the size of asset. At the same time, the influence factors are different between the four state-owned commercial banks and joint-stock commercial banks. Investment return and interest income have a significant impact on the profitability of four state-owned commercial banks, but it's not obvious on joint-stock commercial banks. According to the research results, this paper puts forward corresponding countermeasures and suggestions to improve the profitability of commercial banks under the interest rate marketization.
机译:随着利率市场化的不断推广,中国商业银行的盈利能力和传统商业模式受许多因素的影响,如净利息率缩小。基于中国上市银行的季度报告数据(2010-2018),本文采用面板数据方法研究影响利率市场化下中国商业银行性能水平的因素。结果表明,该性能与费用和佣金收入正相关,与资产规模负相关。与此同时,四国国有商业银行和股份制商业银行之间的影响因素是不同的。投资回报和利息收入对四个国有商业银行的盈利能力产生重大影响,但在股份制商业银行方面并不明显。根据研究成果,本文提出了相应的对策和建议,以提高利率市场化下的商业银行盈利能力。

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