中國大陸商業銀行股權結構對非利息收入影響的實證分析

Abstract

本研究探討股權結構對於商業銀行非利息收入的影響，從股權結構角度研究如何提高銀行的非利息收入。本研究選用2008-2014年的52家中國大陸商業銀行作為樣本，其中包括5家國有商業銀行、12家股份制商業銀行、29家城市性商業銀行以及6家外資銀行。實證結果顯示：國有股權占比對非利息收入具有負相關關係；外資持股比例對非利息收入具有正相關關係；股權制衡度與非利息收入不相關;第一大股東持股比例與非利息收入不相關。

This paper investigates how the ownership structure affects non-interest income of commercial banks in China. The sample consists of 52 commercial banks from 2008 to 2014.The empirical results show that the state-ownership is negatively correlated with the non-interest income. The foreign-ownership is positively correlated with non-interest income. However, the largest shareholder and the ratio of the second largest shareholding to the largest shareholding are uncorrelated with non-interest income.