摘要：金融是整个经济体系的1个重要组成部分，商业银行作为金融体系中规模最大的金融机构，其盈利能力的强弱关系到国民经济能否正常地发展。本文采用Herfindahl指数衡量商业银行的业务多元化程度，采用因子分析法得出商业银行的综合盈利能力指标，通过建立加入虚拟变量的'回归模型考察了业务多元化对商业银行盈利能力的影响。研究结果表明：业务多元化程度与商业银行的盈利能力相关，并且业务多元化在1定程度上有助于提高商业银行的盈利能力；业务多元化对提高国有独资商业银行盈利能力的贡献大于其对股份制商业银行的贡献。同时，分析了商业银行的盈利结构问题，并提出了有针对性的政策建议。
关键词：商业银行；业务多元化；盈利能力；实证分析
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
