西部金融
西部金融
서부금융
WEST CHINA FINANCE
2015年
4期
10-15
,共6页
非利息收入%经营风险%资产规模
非利息收入%經營風險%資產規模
비이식수입%경영풍험%자산규모
non-interest income%operation risk%asset scale
本文以我国2006-2013年间30家银行的平衡面板数据为研究对象，考察非利息收入和银行经营风险的关系。实证结果表明：非利息收入显著减小了国有大型商业银行的经营风险，但却显著增大了全国性股份制商业银行和地方性商业银行的经营风险；银行资产规模与其经营风险成显著负相关关系，即资产规模越大，银行所面临的经营风险越小，反之则经营风险越大。研究成果对现阶段我国商业银行开展非利息业务有一定的参考价值。
本文以我國2006-2013年間30傢銀行的平衡麵闆數據為研究對象，攷察非利息收入和銀行經營風險的關繫。實證結果錶明：非利息收入顯著減小瞭國有大型商業銀行的經營風險，但卻顯著增大瞭全國性股份製商業銀行和地方性商業銀行的經營風險；銀行資產規模與其經營風險成顯著負相關關繫，即資產規模越大，銀行所麵臨的經營風險越小，反之則經營風險越大。研究成果對現階段我國商業銀行開展非利息業務有一定的參攷價值。
본문이아국2006-2013년간30가은행적평형면판수거위연구대상，고찰비이식수입화은행경영풍험적관계。실증결과표명：비이식수입현저감소료국유대형상업은행적경영풍험，단각현저증대료전국성고빈제상업은행화지방성상업은행적경영풍험；은행자산규모여기경영풍험성현저부상관관계，즉자산규모월대，은행소면림적경영풍험월소，반지칙경영풍험월대。연구성과대현계단아국상업은행개전비이식업무유일정적삼고개치。
Setting the balanced panel data of 30 commercial banks in China in the period of 2006-2013 as the study objects, the paper studies the relationship between non-interest income and banks’operation risks. The empirical results show that the non-interest income significantly decreases the operation risks of large state-owned banks, but greatly increases the operation risks of nation-wide joint-stock commercial banks and local commercial banks. A bank’s asset scale has a significantly negative correlation with its opera-tion risks, that is, the bigger the asset scale, the smaller the operation risks, while the smaller the asset scale, the bigger the operation risks. These results have an important reference for Chinese commercial banks to expand non-interest income business at the present stage to some extent.
