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改革开放以来,中国银行业发展迅速,在经济社会发展中发挥了重要的支撑作用,成为了我国金融发展的核心力量。如何提高商业银行的财务绩效成为一个值得研究的问题。本文选取了12家上市商业银行在2007—2012年的财务数据为样本,通过面板数据建立随机效应模型,分析了影响上市商业银行净资产收益率的因素,并根据结论提出建议。
Since the reform and opening up, the rapid development of China’s banking sector has played an important supporting role in economic and social development and has become the core force of China’s financial development. How to improve the financial performance of commercial banks has become a problem worth studying. This paper selects the financial data of 12 listed commercial banks from 2007 to 2012 as a sample, establishes a stochastic effect model through panel data, analyzes the factors that affect the return on net assets of listed commercial banks, and puts forward suggestions according to the conclusions.