地理学报 ›› 2015, Vol. 70 ›› Issue (6): 955-964.doi: 10.11821/dlxb201506009

• • 上一篇    下一篇

中国商业银行贷款地理分布对银行利润效率的影响

戴志敏(), 朱莉妍()   

  1. 浙江大学经济学院,杭州 310027
  • 收稿日期:2014-12-19 修回日期:2015-04-02 出版日期:2015-06-20 发布日期:2015-06-20
  • 作者简介:

    作者简介:戴志敏(1960-), 男, 浙江杭州人, 教授, 博士生导师, 主要研究方向为金融地理与区域发展、金融市场与金融机构。E-mail:cec_dai@zju.edu.cn

  • 基金资助:
    浙江省科技厅重点软科学项目(2012C25077)

The influence of geographical distribution of commercial bank loan on the bank profit efficiency in China

Zhimin DAI(), Liyan ZHU()   

  1. College of Economics, Zhejiang University, Hangzhou 310027, China
  • Received:2014-12-19 Revised:2015-04-02 Published:2015-06-20 Online:2015-06-20
  • Supported by:
    Soft Science Foundation of Zhejiang Science and Technology Agency, No.2012C25077

摘要:

商业银行的区域发展研究一直是金融地理研究中关注的重点。目前,对于商业银行贷款投放地理分散化程度能否为银行绩效带来正面的影响仍存在着一定的争议。本文在利用2007-2013年中国13家上市商业银行向各省投放的贷款数据,分析了大型商业银行和中小型商业银行的贷款投放地理分布特征及不良贷款的地理变化趋势的基础上,利用随机前沿分析方法(SFA)及Battese和Collie的基础模型构建超越对数利润函数模型,对商业银行贷款地理投放分散程度对银行利润效率的影响进行了实证分析。研究结果表明:① 商业银行提高贷款的地理投放程度有助于提升商业银行经营过程中的盈利和利润效率。② 大型商业银行由于受国家政策干预影响较大,贷款投放区域覆盖面更广,尤其是对中西部地区的贷款投放比例明显高于中小型商业银行,其平均利润效率一直高于中小型商业银行。但近年来,随着中小型商业银行贷款地理分散程度逐步提高,两者利润效率的差距逐渐缩小。③ 目前,中国部分中小型商业银行贷款业务依然以关系型为主,提高贷款的地理投放分散程度会降低其利润效率,应谨慎面对多元化经营问题,不可盲目随从。

关键词: 金融地理, 商业银行, 贷款, 地理分布, 效率, 中国

Abstract:

The regional development research on commercial banks has always been the focus of financial geography research. At present, there is still debate on whether the geographical decentralization level of commercial bank loan can positively influence bank performance. This paper uses the loan data of 13 listed commercial banks in China releasing to each province during 2007-2013 to analyze the loan releasing geographical distribution characteristics of large-sized commercial banks and small and medium-sized commercial banks and the geographic variation trend of non-performing loans. On such basis, it uses stochastic frontier analysis (SFA) and the basic model of Battese and Collie (1995) to build the trans-log profit function model to conduct empirical analysis of the influence of geographical decentralization level of commercial bank loan on the efficiency of bank profits. Research results show that: (1) Increasing the geographical decentralization level of loan can boost the revenue and profit efficiency for commercial banks in the process of banking operation; (2) Large-sized commercial banks, due to the effect of national policies, cover broader loan releasing areas, and the loan releasing proportion in the central and western regions is significantly higher than that of the small and medium-sized commercial banks, and the average profit efficiency has always been higher than that of the small and medium-sized commercial banks. However, in recent years, with the gradually increasing geographical decentralization level of small and medium-sized commercial banks loan, the gap of profit efficiency between the two has been narrowed; (3) At present, the loan business of some small and medium-sized commercial banks in China still belongs to the relationship loan, and raising the geographical decentralization level of loan will lower their profit efficiency. Therefore, the diversified business operation should be carefully handled and cannot blindly follow it.

Key words: geography of finance, commercial banks, loan, geographic distribution, efficiency, China