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文章从经济增长模式对金融服务的需求和不同类型银行提供金融服务的比较优势出发,分析了中国六类银行的盈利优势。文章将财务分析思想贯穿于实证模型的设计、检验和分析中,在保证模型结果可靠性的同时丰富了实证分析的内涵。研究发现,大型商业银行盈利优势受益于投资拉动型经济增长模式和规模优势,但成本和风险控制能力不足;股份制商业银行受经济增长模式影响不显著;城市商业银行受益于居民消费水平的提高;农村建设推动了农村金融发展,利差升水补偿了农村金融机构经营的高成本、高风险;外资银行风险管理能力突出。
Based on the demand of economic growth model for financial services and the comparative advantages of different types of banks in providing financial services, the article analyzes the profitability of China’s six types of banks. The article will be financial analysis ideas throughout the design, testing and analysis of empirical models, to ensure the reliability of model results, while enriching the connotation of empirical analysis. The study found that the profitability of large commercial banks benefited from investment-led economic growth mode and scale advantage, but the cost and risk control ability were not enough; the joint-stock commercial banks were not significantly affected by the economic growth mode; urban commercial banks benefited from the improvement of household consumption level; Rural development has promoted the development of rural finance. High interest rate premiums have compensated for the high cost and high risk of operation of rural financial institutions. The ability of risk management of foreign-funded banks has become prominent.