| 我国商业银行资产业务绩效影响的实证研究 |
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| 引用本文： | 魏雯.我国商业银行资产业务绩效影响的实证研究[J].学理论,2011(21). |
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| 作者姓名： | 魏雯 |
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| 作者单位： | 陕西省社会科学院信息中心,西安,710065 |
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| 摘 要： | 通过对我国上市商业银行资产业务创新与经营绩效的实证研究,发现个人信贷创新业务与商业银行的经营绩效是正相关的,而公司信贷业务以及证券投资业务与商业银行的经营绩效是负相关的。根据研究结果,提出目前我国商业银行应大力发展具有特色的个人信贷产品,注重客户需求、拓宽产品的销售渠道、做好产品的售后服务,走个性化发展道路;同时,要注意风险的防控。
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| 关 键 词： | 商业银行 资产业务 实证研究 |
The Empirical Study on Asset Business of Commercial Bank of China |
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| Authors: | WEI Wen |
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| Institution: | WEI Wen(Shaanxi Provincial Academy of Social Sciences,Information Center,Shaanxi,Xi'an,710065,China) |
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| Abstract: | Through the empirical analysis of China's listed commercial bank,we found that personal credit of commercial banks has a positive performance,while the company's credit business and securities investment of commercial banks operate negatively.Based on the findings,this paper put forward that China's commercial banks should vigorously develop distinctive personal credit products,focusing on customer needs,broaden product sales channels,supply good products and services.Moreover,we need to control the risks o... |
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| Keywords: | Commercial banks Asset business Empirical research |
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