作　　者： (郑海军）;

机构地区： 安徽财经大学金融学院,安徽蚌埠233030

出　　处： 《山东青年政治学院学报》 2017年第4期97-102,共6页

摘　　要： 从理论上分析了商业银行资本充足率对其盈利能力的正反面影响,并通过我国15家商业银行2012-2016年资本充足率以及盈利能力指标数据,运用最小二乘法进行多元线性回归分析,分别研究了商业银行资本充足率以及核心资本充足率对其盈利能力的影响。结果表明:资本充足率以及核心资本充足率对我国中小银行以及商业银行整体的盈利能力均产生显著负向影响,并与国有银行的盈利能力呈现微弱的正向关系。 This paper theoretically analyzes the positive and negative effects of the capital adequacy ratio of commercial banks to their profitability based on the index data of capital adequacy ratio and profitability from 15 commercial banks in China,using the least squares method of multivariate linear regression analysis,thus respectively study the impacts on the profitability of China＇s commercial banks＇ capital adequacy ratio and core capital adequacy ratio. The results show that the capital adequacy ratio and core capital adequacy ratio have significantly negative influences on the profitability of all China＇s commercial banks and small medium-sized banks,and a weakly positive relationship appeared on the profitability of state-owned banks.

关 键 词： 商业银行 资本充足率 核心资本充足率 盈利能力