城市商业银行盈利能力、风险承担与跨区经营
City Commercial The Profitability, Risk-taking and Transregional Business of City Commercial Banks
本文采用2008～2014年中国城市商业银行数据，基于微观视角研究银行跨区域经营对其盈利能力和风险水平的影响，并具体针对跨区经营的规模效应和时间效应进行了实证检验。结果发现，在样本银行中，城市商业银行跨区经营总体上提升了银行的盈利能力并降低了银行风险承担，即跨区经营有效的提升了银行绩效；其次，跨区经营有着明显的规模效应，在适度规模下跨区经营对银行绩效的提升最优；第三，跨区经营的影响在时间上存在一个作用过程，时间效应在短期内损害了城市商业银行的盈利能力但是降低了银行的风险水平，因此选择跨区域经营的城市商业银行应注意权衡长期与短期业绩之间的平衡，并进行风险防范。
财政、金融
商业银行管理城市商业银行跨区经营风险承担盈利能力
李思理,王修华.城市商业银行盈利能力、风险承担与跨区经营[EB/OL].(2017-05-19)[2025-10-03].http://www.paper.edu.cn/releasepaper/content/201705-1188.点此复制
The data of Chinese city commercial banks from 2008 to 2014 is adopted in this paper. On the basis of microcosmic perspective, the influence of transregional business of banks on their profitability and risk level is investigated. Moreover, the empirical test specific to the scale and time effect of transregional business has been conducted. The results show that in the sample banks, the transregional business of city banks has generally improved the profitability of banks while taking fewer risks, namely, it has improved the bank performance on the whole; in addition, the transregional business shows obvious scale effect that the optimal improvement of bank performance could be achieved by an appropriate scale of transregional business; thirdly, there is a process of the transregional business influence in time, the time effect threats the profitability of city commercial banks but reduces the risk level of banks in the short term, hence, city commercial banks that choose transregional business should weigh the balance between the long-term performance and short-term results as well as make risk prevention.
Commercial bank managementCity Commercial Bankcross regional operationrisk takingprofitability.
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