摘要
在金融强监管背景下,我国监管当局不断出台新的资本管理办法,使得商业银行处于严格的资本约束压力之下。本文以我国29家商业银行2010—2018年的样本数据,基于面板随机效应模型,研究资本约束对商业银行盈利能力的影响。研究结果表明:资本约束能有效提高商业银行盈利水平;资本约束具有银行异质性,对城市商业银行和非上市银行盈利能力的提升作用更显著。本文建议商业银行应拓宽资本融资渠道,降低经营成本,减少不良资产,精简组织结构。
In the context of strong financial supervision,China’s supervisory authorities have continuously introduced new capital management methods,putting commercial banks under strict capital constraint pressure.Based on sample data of 29 commercial banks in China from 2010 to 2018,this paper studies the impact of capital constraints on the profitability of commercial banks based on a panel random effect model.The research results show that capital constraints can effectively improve the profitability of commercial banks;capital constraints are heterogeneous in banks,and capital constraints have a more significant effect on improving the profitability of urban commercial banks and unlisted banks.This article suggests that commercial banks should broaden capital financing channels,reduce operating costs,reduce non-performing assets,and streamline organizational structures.
作者
孙志红
陆阿会
Sun Zhihong;Lu Ahui(School of Economics and Management,Shihezi University,Xinjiang China)
出处
《金融发展评论》
2019年第10期51-64,共14页
Financial Development Review
关键词
资本约束
商业银行
总资产收益率
Capital Constraints
Commercial Banks
Return on Total Assets
