利率市场化对农村商业银行经营绩效的影响
The Influence of Interest Rate Liberalization on the Operation Performance of Rural Commercial Banks
张方群 1杨铄1
作者信息
- 1. 广东培正学院 数字经济研究所,广东 广州 510145
- 折叠
摘要
为研究利率市场化对农村商业银行经营绩效的影响,以20家农村商业银行2013年—2022年的相关数据为例,采用面板数据模型分析方法进行研究.结果表明,利率市场化对农村商业银行经营绩效有重要影响,利率市场化指数与总资产收益率存在明显的负相关性,且该关系对非上市农商行总资产收益率的影响更为显著.基于此,提出了在利率市场化背景下农村商业银行在收益和风险控制方向的发展路径,以助其更好应对市场变化.
Abstract
In order to study the impact of interest rate liberalization on the operational performance of rural commercial banks,the relevant data of 20 rural commercial banks from 2013 to 2022 was taken as an example,and the panel data model was used to ana-lyze the research.The results showed that interest rate liberalization had an important impact on the operating performance of rural commercial banks,and there was a significant negative correlation between interest rate liberalization index and total return on as-sets,and this relationship had a more significant impact on the total return on assets of non-listed rural commercial banks.Based on this,this paper put forward the development path of rural commercial banks in the direction of income and risk control under the background of interest rate liberalization,so as to help them better cope with market changes.
关键词
利率市场化/农村商业银行/经营绩效/面板数据模型Key words
interest rate liberalization/rural commercial banks/business performance/panel data model引用本文复制引用
出版年
2024
NETL
NSTL
万方数据