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通过建立城市商业银行设立异地分行决策行为模型,并使用中国53家城市商业银行2007~2011年面板数据,运用参数化回报函数,建立了城市商业银行设立异地分行的动态面板计量模型,考察了城市商业银行设立异地分行的影响因素。研究表明:资产规模和银行风险分别会促进城市商业银行异地分行的设置;资产流动性、银行资本和政府股权分别会促进和阻碍城市商业银行设立省外异地分行,但对省内分行的设立没有显著影响;而外国战略投资者会阻碍省内分行的设立但对省外分行的设置没有显著影响;城市商业银行异地分行的设立受到正的学习效应和负的溢出效应影响。
Abstract：In this paper,the author uses the panel data of 53 city commercial banks in China from 2007 to 2011,through the parameterized return function,dynamic panel count model is established for the city commercial banks to set up remote branch,investigate the influence factors of city commercial banks setting up remote branch. Research shows that: The scale of assets and bank risk will promote remote the setting up of branches of city commercial banks; the liquidity of assets,bank capital and government ownership will promote and hinder city commercial banks setting up different branch outside the province,but had no significant effect on the establishment of provincial branch; the establishment of foreign strategic investors will hinder the provincial branches,but had no significant effect on the branches outside the province; building a remote branch of city commercial banks will be affected by the positive learning effect and the negative spillover effect.
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基本信息:
中图分类号:F832.2;F224
引用信息:
[1]严太华,刘焕鹏.城市商业银行跨区域经营的决定因素:理论模型与实证分析[J].金融经济学研究,2013,28(06):66-75.