摘要
城商行创新发展的质量关系着地方经济社会的高质量发展。普遍观点认为,相较于全国性大银行,城商行自有资本金不充足、运营区域受限,导致盈利能力有限,探索信贷资产证券化创新,可以提升自身盈利能力。本文选取信贷资产证券化发行规模排名靠前的10家城商行面板数据进行了实证研究。实证结果表明,信贷资产证券化业务并未显著提升城商行单位资产经营获利能力,与普遍观点不一致。究其原因,通过城商行信贷资产证券化案例梳理分析,发现城商行推动信贷资产证券化业务的最大动机并非是增加盈利,而是基于可持续运营、维护品牌声誉的考虑。
The quality of the innovative development of the urban commercial banks is related to the high-quality development of the local economy and society. It is generally believed that, compared with the large national banks,urban commercial banks have insufficient own capital and limited operation areas, resulting in limited profitability.Exploring the innovation of credit asset securitization can improve their own profitability. In this paper, the panel data of the top 10 urban commercial banks in the issuance scale of credit asset securitization are selected for empirical research.The empirical results show that the credit asset securitization business has not significantly improved the profitability of asset assets of urban commercial banks, which is inconsistent with the general view. The reason is that through the analysis of credit asset securitization cases of urban commercial banks, it is found that the biggest motivation of urban commercial banks to promote credit asset securitization business is not to increase profits, but based on the consideration of sustainable operation and maintaining brand reputation.
作者
朱军
唐凯
张鸣菊
蒋先进
ZHU Jun;TANG Kai;ZHANG Mingju;JIANG Xianjin(School of Economics and Management,Taizhou University,Taizhou 225300,China;School of Management and Engineering,Nanjing University,Nanjing 210012,China;Taizhou Central Branch of the People's Bank of China,Taizhou 225300,China)
出处
《中国软科学》
CSSCI
CSCD
北大核心
2024年第1期164-174,共11页
China Soft Science
基金
江苏省社会科学基金重点项目(12JZA004)。
关键词
信贷资产证券化
城市商业银行
盈利能力
securitization of credit assets
city commercial bank
profitability
作者简介
朱军(1970-),男,辽宁丹东人,泰州学院经济与管理学院院长,南京大学博士后,研究方向为产业金融管理。
