CAJ | 학술논문

通过定性和定量分析研究影子银行业务发展及其对商业银行盈利能力影响。考虑商业银行的代表性和数据的可得性，选取华夏银行、上海浦东发展银行、建设银行、工商银行、民生银行、光大银行、招商银行、平安银行八家上市银行作为研究对象。定性分析主要考察上市商业银行影子银行业务发展的整体状况，比较分析不同类型银行间影子银行业务发展的差异；定量分析利用面板数据模型，选取2004年到2013年十年间的商业银行数据，建立回归方程。通过定性和定量分析得出结论：我国的影子银行业务起点低但发展迅速；影子银行业务发展与商业银行盈利能力正相关，即影子银行业务发展能够促进商业银行盈利能力的提高；可以在审慎发展的原则下推动商业银行影子银行业务在合理水平下发展，以促进商业银行盈利能力的提高。
통과정성화정량분석연구영자은행업무발전급기대상업은행영리능력영향。고필상업은행적대표성화수거적가득성，선취화하은행、상해포동발전은행、건설은행、공상은행、민생은행、광대은행、초상은행、평안은행팔가상시은행작위연구대상。정성분석주요고찰상시상업은행영자은행업무발전적정체상황，비교분석불동류형은행간영자은행업무발전적차이；정량분석이용면판수거모형，선취2004년도2013년십년간적상업은행수거，건립회귀방정。통과정성화정량분석득출결론：아국적영자은행업무기점저단발전신속；영자은행업무발전여상업은행영리능력정상관，즉영자은행업무발전능구촉진상업은행영리능력적제고；가이재심신발전적원칙하추동상업은행영자은행업무재합리수평하발전，이촉진상업은행영리능력적제고。
The paper studied the influence of shadow banking business on the commercial banks＇ profitability, using qualita- tive analysis and quantitative analysis methods. Considering the typicalness of the commercial banks and the availability of the data, Paper selected eight listed banks as study subjects. In the qualitative analysis, the paper studied the general development status of shadow banking business. And meanwhile recognized the shadow banking business＇ difference in the listed banks. In the quantitative analysis, the paper used panel data method to study how the shadow banking business influenced the commercial banks＇ profitability. Through the qualitative analysis and quantitative analysis, the paper gave the conclusion： there was positive correlation between shadow banking business and commercial banks＇ profitability. The development of shadow banking business could promote the profitability of commercial banks.