摘要
在综合阐述当前我国银行业市场利率化现状的基础上,结合相关理论研究,以及我国银行业的实际运营数据,通过构建相应的理论模型运用SPSS19.0软件,分析了市场利率对我国银行业治理结构与风险的影响。研究发现,随着利率的市场化,商业银行在股权结构分配上让第一股东持股比例高,剩下的股权较分散地让其他利益相关者持有的治理结构,能够提高银行的绩效。同时,利率市场化将导致银行面临的利率风险增大。基于此,当前我国银行业可以通过深化银行治理结构的改革,逐步增强利率风险的管理能力以及合理发展中间业务来有效地提高银行的绩效并规避利率风险。
On the basis of a comprehensive illustration of current situation about marketable interest rates in Chinese banking industry,combined with the relevant theoretical researches and the actual operation data for banking industry,the paper analyzed the influence of market interest rates on Chinese banking governance structure and risk by constructing the corresponding theoretical model with SPSS software.The study found that with the marketing of interest rates,the ration of the first shareholder was increased during the share ownership division in commercial banks;the rest shareholders were dispersedly distributed to other stakeholders.Such measures could improve the bank＇s performance.Meanwhile,the marketing of interest rates will lead to the increase in interest risk.Thus,the current China＇s banking industry can gradually raise the management ability in interest risk and reasonably develop intermediary business to effectively improve the bank＇s performance and avoid the interest risk through deepening the reform of banking governance structure.
作者
王娜
刘文平
WANG Na LIU Wenping(School of Business, Hubei University,Wuhan 430062, Chin)
出处
《皖西学院学报》
2016年第4期50-55,共6页
Journal of West Anhui University
基金
教育部人文社科研究项目(13YJC630169)
湖北省科技厅软科学项目(2014BDF097)的阶段性研究成果
关键词
市场利率
银行业
治理结构
风险
market interest rates
banking industry
governance structure
risk
