我国商业银行非利息业务影响因素研究:基于区域经济发展的视角
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引用本文:赵 红1,汪 玉1,付俊文2,李依颖3.我国商业银行非利息业务影响因素研究:基于区域经济发展的视角[J].湖南大学学报社会科学版,2021,(5):69-76
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赵 红1,汪 玉1,付俊文2,李依颖3 (1.西安交通大学 管理学院陕西 西安 7100492.中国人民银行 西安分行陕西 西安 7100753.河南工程学院 经济贸易学院河南 郑州 451191) 
中文摘要:以2002-2020年国内48家在异省无分支机构的城市商业银行作为研究样本,基于区域经济视角探究我国银行非利息业务,研究结果表明:从总体样本来看,区域经济发展与银行非利息业务发展之间存在显著的正U型关系,当人均GDP高于24330元或地区GDP超过1万亿元时,其银行非利息业务水平会随着区域经济发展水平的提高而提高;从分样本来看,除东南沿海地区外,我国其他地区的区域经济发展与银行非利息业务发展之间存在显著的正U型关系。
中文关键词:城市商业银行  非利息业务  区域经济
 
A Study on the Determinant of Banks’ Non-interest Business: from the Perspective of Regional Economic Development
Abstract:This paper collects the data of 48 Chinese city commercial banks that have no branches in different provinces from the years 2002-2020, and explores non-interest banking services in China from the perspective of regional economy. The result shows that: In terms of the overall sample, there is a significant positive U-shaped relationship between regional economic development and the development of non-interest banking services. When GDP per capita is higher than 24,330 Yuan, or the provincial GDP is higher than 1000 billion Yuan,the level of non-interest business of banks increases with the rising of regional economic development level. From the sub-sample, there is a significant positive U-shaped relationship between regional economic development and the development of banks' non-interest business in China, except for the southeast coastal region.
keywords:city commercial banks  non-interest business  regional economic development
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