跨区域发展与多元化经营对城市商业银行稳健性的影响分析
The Influence of Cross Regional Development and Diversified Management on the Stability of City Commercial Banks
摘要
文运用银行稳健性指数BSI考察了48家城商行近年来的稳健性，发现城商行近年来稳健性水平有所提高。通过实证分析跨区域经营和多元经营对稳健性水平的影响，发现跨区域经营有利于提高城商行的稳健性；多元经营则有负影响。城商行规模越大，多元经营对稳健性的负影响越小。在跨区域经营许可暂未放松的前提下，城商行可以发展互联网金融业务的方式，实现网络渠道的跨区域经营。此外，大型城商行可以开展多元经营以拓宽盈利渠道，但是一定要提高风险管理水平，防止稳健性水平的下降。
Abstract
IThis paper uses banking stability index BSI to evaluate the stability of China's 48 city commercial banks in recent years. Then this paper measures the impact of cross-regional management and diversified operation on the stability of the banks through regression analysis. The results show that: cross-regional management is conducive to the improvement of the stability of city commercial banks; diversified operation is negatively correlated with the stability of the city commercial banks; the greater the size of the city bank, the smaller the impact on the stability of the city bank. Under the premise that the cross regional business has not been permitted, the city commercial banks can develop the Internet banking business to achieve cross regional business network channels. In addition, large city commercial banks can carry out diversified operation to broaden the profit channel, but must improve the level of risk management, to prevent the decline in the level of stability.关键词
城商行/跨区域经营/多元化经营/稳健性Key words
City Commercial Bank/Cross-regional Management/Diversified Operation/Stability of Banks引用本文复制引用
刘慧民,伍伟.跨区域发展与多元化经营对城市商业银行稳健性的影响分析[EB/OL].(2016-01-29)[2026-04-04].http://www.paper.edu.cn/releasepaper/content/201601-562.学科分类
财政、金融
评论