CAJ | 학술논문

中国商业银行追求收入多元化所引发的经营风险性问题已得到广泛重视。考虑银行规模与收入多元化对商业银行安全性的交叉影响问题，建立交叉影响实证模型，分析中国商业银行收入多元化进程中的银行规模、收入结构、资本充足性等因素对银行安全性的影响。发现银行规模对银行非利息业务开展中经营风险的抑制效用，中国大型商业银行应注重资产规模的稳定而非收入多元化程度，中小银行则应重视提高资产规模与收入多元化交叉影响对银行风险的控制效用。
중국상업은행추구수입다원화소인발적경영풍험성문제이득도엄범중시。고필은행규모여수입다원화대상업은행안전성적교차영향문제，건입교차영향실증모형，분석중국상업은행수입다원화진정중적은행규모、수입결구、자본충족성등인소대은행안전성적영향。발현은행규모대은행비이식업무개전중경영풍험적억제효용，중국대형상업은행응주중자산규모적은정이비수입다원화정도，중소은행칙응중시제고자산규모여수입다원화교차영향대은행풍험적공제효용。
The operational risk caused by the income structure diversification of Chinese commercial banks has drawn broad attention. Taking the cross influence of the size and the income diversification on a commercial bank into consideration, this paper attempts to build an empirical model of cross effect to analyze the impact of size, income structure, capital adequacy and some other factors on a bank＇s safety during the process of income diversification of Chinese commercial banks. It is found that the size of a bank has an inhibitory effect on a bank＇s operational risk during the development of non - interest business. The large - sized commercial banks should pay attention to the stability of assets size instead of the degree of income diversification ; whereas the small - sized banks should attach importance to the inhibitory effect of the cross influence of assets size and income diversification on the bank＇s risk.