中國大陸商業銀行股權結構對非利息收入影響的實證分析

Ownership Structure and Non-interest Income of Commercial Banks in China

陳曉(Chen, Xiao)

指導教授 ： 俞明德 ； 林瑞嘉

國立交通大學/管理學院/財務金融研究所/碩士(2017年)

摘要

本研究探討股權結構對於商業銀行非利息收入的影響，從股權結構角度研究如何提高銀行的非利息收入。本研究選用2008-2014年的52家中國大陸商業銀行作為樣本，其中包括5家國有商業銀行、12家股份制商業銀行、29家城市性商業銀行以及6家外資銀行。實證結果顯示：國有股權占比對非利息收入具有負相關關係；外資持股比例對非利息收入具有正相關關係；股權制衡度與非利息收入不相關;第一大股東持股比例與非利息收入不相關。

關鍵字

商業銀行 ； 股權結構 ； 非利息收入 ； 手續費及傭金收入 ； 其他收入

並列摘要

This paper investigates how the ownership structure affects non-interest income of commercial banks in China. The sample consists of 52 commercial banks from 2008 to 2014.The empirical results show that the state-ownership is negatively correlated with the non-interest income. The foreign-ownership is positively correlated with non-interest income. However, the largest shareholder and the ratio of the second largest shareholding to the largest shareholding are uncorrelated with non-interest income.

並列關鍵字

Commercial bank ； Ownership structure ； Non-interest income ； Fee and commission income ； Other revenue

參考文獻

Berger, A. N., Clarke, G. R., Cull, R., Klapper, L., & Udell, G. F. (2005). Corporate governance and bank performance: A joint analysis of the static, selection, and dynamic effects of domestic, foreign, and state ownership. Journal of Banking & Finance, 29(8), 2179-2221

Lichtenberg, F. R., & Pushner, G. M. (1994). Ownership structure and corporate performance in Japan. Japan and the World Economy, 6(3), 239-261.

Bonin, J. P., Hasan, I., & Wachtel, P. (2005). Bank performance, efficiency and ownership in transition countries. Journal of banking & finance, 29(1), 31-53.

Busch, R., & Kick, T. (2009). Income diversification in the German banking industry. Dt. Bundesbank.

Chiorazzo, V., Milani, C., & Salvini, F. (2008). Income diversification and bank performance: Evidence from Italian banks. Journal of Financial Services Research, 33(3), 181-203.