本文以国内8家上市银行为研究对象,采用面板数据的固定效应分析方法进行多元回归分析,对影响上市银行资本充足率的因素进行了实证分析。结果表明,上市银行的资产规模、总资产增长率、盈利能力和不良贷款率会显著影响资本充足率水平,而固定资产增长率则不是影响上市银行资本充足率的重要因素。 In this paper, eight listed banks in China as the research object, the use of fixed-panel data analysis of multiple regression analysis of the factors that affect the capital adequacy ratio of listed banks empirical analysis. The results show that the listed bank’s asset size, total assets growth, profitability and non-performing loan ratio will significantly affect the level of capital adequacy ratio, while the growth rate of fixed assets is not an important factor affecting the capital adequacy ratio of listed banks.