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采用2008至2012年的公开数据,基于结构方程建模分析我国商业银行的市场绩效,结果发现:我国银行业金融机构整体具有强大的盈利能力,资本充足率良好,信用风险可控;但是在成本控制、流动性方面,各家商业银行的表现差异较大,反映出各自根据战略发展的需要而产生分化。经营因素、行业因素、产权因素对商业银行市场绩效均产生显著影响,其中经营因素的影响最为重要,由此表明我国银行业市场化程度在不断地提高。
Using the open data from 2008 to 2012, this paper analyzes the market performance of commercial banks based on structural equation modeling. The results show that: the overall banking financial institutions in our country have strong profitability, good capital adequacy ratio and controllable credit risk; however, Control, liquidity, the performance of various commercial banks vary greatly, reflecting the needs of their respective strategic development differentiation. Business factors, industry factors and property rights factors have a significant impact on the market performance of commercial banks, of which the impact of business factors is the most important, indicating that the degree of marketization of China’s banking industry is constantly improving.