多元化经营对商业银行绩效影响的实证研究——基于国内商业银行与国外商业银行对比的视角

被引：22

作者：

尚妍 ^{[1
,2
]}

段忠辉 ^{[3
]}

李斌 ^{[3
]}

汪寿阳 ^{[1
,4
]}

机构：

[1] 中国科学院大学经济与管理学院

[2] 中国工商银行博士后工作站

[3] 中国银行总行

[4] 中国科学院数学与系统科学研究院

来源：

管理评论 | 2016年 / 28卷 / 05期

关键词：

商业银行; 多元化经营; 长期绩效; 短期绩效;

D O I：

10.14120/j.cnki.cn11-5057/f.2016.05.001

中图分类号：

F832.33 [商业银行（专业银行）];

学科分类号：

摘要：

本文研究了多元化经营对商业银行长期绩效和短期绩效的影响。通过对收入结构多元化和资产结构多元化分别进行分析,结果显示多元化经营对国内商业银行的影响明显不同于对国外商业银行的影响。本文得到以下结论:(1)非传统业务可显著提高国外商业银行长期和短期绩效;(2)多元化经营可显著提升我国大型商业银行的经营绩效,却不利于我国小型商业银行的发展;(3)在相同条件下,提高非利息业务比例对我国上市商业银行的短期促进作用强于国外商业银行。本文结论为我国不同类型商业银行在金融改革时期的发展模式提供理论依据。

引用

页码：3 / 12

页数：10

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