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随着金融危机的爆发,《巴塞尔协议III》的签订,银行资本充足率的监管上了一个新的台阶,我国也于2012年6月8日发布了《商业银行资本管理办法(试行)》。在这种情况下研究资本充足率对银行的盈利能力的影响,具有理论和现实意义。本文从资本充足率及商业银行主要收入来源入手,依据收集到的相关数据,利用计量经济学软件EViews,采用面板数据多元回归的方法对影响银行盈利能力的因素进行回归分析。本文创新之处在于使用2015年的数据,选取净利润作为盈利能力的指标,更具说服力。本文通过实证得到以下结论:商业银行资本充足率对银行盈利能力有显著正向影响。
With the outbreak of the financial crisis, the signing of Basel III and the regulation of the capital adequacy ratio of banks have reached a new stage. China also promulgated the Measures for the Capital Management of Commercial Banks (Trial Implementation) on June 8, 2012 . Under such circumstances, it is of theoretical and practical significance to study the impact of capital adequacy ratio on the profitability of banks. Based on the collected data and using the EViews software of econometrics, the author uses the multiple regression of panel data to analyze the factors that affect the profitability of banks. The innovation of this article lies in using the 2015 data to select the net profit as an indicator of profitability and make it more convincing. This paper obtains the following conclusions through empirical evidence: The capital adequacy ratio of commercial banks has a significant positive impact on bank profitability.