摘要：金融是整個經濟體系的1個重要組成部分，商業銀行作為金融體系中規模最大的金融機構，其盈利能力的強弱關係到國民經濟能否正常地發展。本文采用Herfindahl指數衡量商業銀行的業務多元化程度，採用因子分析法得出商業銀行的綜合盈利能力指標，通過建立加入虛擬變數的'迴歸模型考察了業務多元化對商業銀行盈利能力的影響。研究結果表明：業務多元化程度與商業銀行的盈利能力相關，並且業務多元化在1定程度上有助於提高商業銀行的盈利能力；業務多元化對提高國有獨資商業銀行盈利能力的貢獻大於其對股份制商業銀行的貢獻。同時，分析了商業銀行的盈利結構問題，並提出了有針對性的政策建議。
關鍵詞：商業銀行；業務多元化；盈利能力；實證分析
Demonstration-analyse on the payoff ability of the commercial banks and the multi-operation degree
Abstract: Finance is an important component of the whole economic system. As the maximal financial institution in the financial system, commercial banks’payoff ability has much to do with the normal development of the civil economy. This paper adopts Herfindahl index to measure commercial banks’multi-degree, uses gene-ananlysis method to educe the commercial banks’general payoff ability index, and considers the multi-operation’s effect to the payoff ability of the commercial banks by establishing a regression equation which is swung in a dummy variable. Results show that the multi-operation degree is correlative to the payoff ability of the commercial banks, and multi-operation, to some extent, makes for enhancing commercial banks’payoff ability. Besides, multi-operation’s concentration to the state banks seems to be more than to the joint-stock banks. At the same time, this paper analyses the payoff structure issue of commercial banks and concludes with making some relative policy suggestions.
Key words: commercial banks; multi-operation; payoff-ability; demonstration-analyse
