| 摘要: |
| 利率市场化对我国商业银行转型发展产生了深刻的影响，本文以2008~2015年间16 家上市银行的数据作为研究样本，实证分析了利率市场化对商业银行业务收入结构的影响效 应。结果表明：利率市场化显著改善了我国商业银行业务收入结构；资产规模、监管压力、风 险水平、宏观经济也对业务收入结构具有正向促进作用，而货币供应量快速增长则对业务收入 结构起到抑制作用。鉴于此，我国商业银行要保持持续稳健增长，必须加快业务创新步伐，创 造新的盈利增长点，以适应利率市场化后的外部竞争环境。 |
| 关键词: 利率市场化指数；业务收入结构；非利息收入；转型发展 |
| DOI： |
| 分类号:F830.33 |
| 基金项目: |
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| Study on the Influence of the Interest Rate Liberalization to the Revenue Structure of China Commercial Banks—Empirical Analysis on the Data of 16 Listed Banks |
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Wu Lili
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Bank of china Chongqing branch
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| Abstract: |
| The interest rate liberalization had a profound effect to the transformation and development of China's commercial banks.We used the micro business data during 2008~2015 of 16 listed banks as the sample, carrying on the empirical analysis for the impact between interest rate liberalization and revenue structure of commercial banks. The study found: the interest rate liberalization reform significantly promote the revenue structure of Commercial Banks of our country; the scale of banks, regulatory pressure, risk level, economic growth also has a positive effect on business innovation; and the money supply can inhibit revenue structure in commercial banks. In view of this, China's commercial banks continued to maintain steady growth, we must accelerate the pace of business innovation, develop non-interest revenue and create new profit growth point, in order to adapt to the external competitive environment after the interest rate marketization. |
| Key words: Interest Rate Liberalization Index；Revenue Structure；Non-interest Revenue；Transformation and Development |
