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中南大学学报(社会科学版)
ZHONGNAN DAXUE XUEBAO(SHEHUI KEXUE BAN)

2017年11月第23卷第6期
   
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文章编号:1672-3104(2017)06-0101-08
 
收入多元化、市场势力与农村商业银行经营绩效
 
田雅群,何广文,范亚辰
 
(中国农业大学经济管理学院,北京,100083)
 
摘  要: 利用2006—2015年76家农村商业银行的非平衡面板数据,测算Lerner指数,衡量我国农村商业银行市场势力,研究收入多元化、市场势力对农村商业银行经营绩效的影响。结果表明,非利息收入占比与绩效呈倒“U”型关系,市场势力和绩效正相关,但市场势力削弱了非利息收入占比对农商行绩效的影响。市场势力越大,农村商业银行更偏好传统业务而非开展非利息业务。
 
关键词: 收入多元化;市场势力;经营绩效;农村商业银行
 
 
Revenue diversification, market power and operation performance of rural commercial banks
 
TIAN Yaqun, HE Guangwen, FAN Yachen
 
(College of Economics and Management, China Agriculture University, Beijing 100083, China)
 
Abstract: The present study, by adopting the data of 76 rural commercial banks during 2006-2015, calculating Lerner index and measuring the market power of rural commercial banks in our country, examines the effect of revenue diversification and market power on the operation performance of the rural commercial banks. Findings show an inverted “U” type relationship between the proportion of non-profit revenue and performance. Findings also indicate that the market power of the banks is positively associated with performance, but weakens the effect of the proportion of non-profit revenue on the performance of rural commercial banks. The greater the market power, the more the rural commercial banks prefer traditional business rather than non-interest business.
 
Key words: revenue diversification; market power; operation performance; rural commercial banks
 
 
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