中东欧国家银行业多元化经营对传统业务影响分析

被引：4

作者：

庄起善

曹焕

机构：

[1] 复旦大学世界经济系

来源：

世界经济研究 | 2013年 / 05期

关键词：

银行业; 多元化经营; 传统业务; 中东欧国家;

D O I：

10.13516/j.cnki.wes.2013.05.013

中图分类号：

F832.2 [银行制度与业务];

学科分类号：

1201 ; 020204 ;

摘要：

本文利用中东欧10国193家银行1997～2010年的面板数据,检验银行业多元化经营对银行传统业务收入的影响。实证结果显示,银行多元化经营会降低银行的传统业务收入。从细分的多元化经营项目看,佣金收入、证券买卖收入以及其他收入也均会显著降低银行的传统业务收入。此外,多元化经营会使银行低估贷款风险,从而增加银行风险。实证结果还表明,银行多元化经营集中度指标与银行利息项收入呈显著正相关关系,这说明银行如果过度追求多元化经营会降低银行利息项收入。

引用

页码：17 / 22+29+87 +29

页数：8

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