【摘要】 本文基于2007-2018年中国城市商业银行的非平衡面板数据,采用系统GMM两步法实证分析城市商业银行地域多元化经营对信用风险水平的影响。研究结果表明:城市商业银行的地域多元化经营会加剧银行的信用风险,对资产规模较小以及非上市的城市商业银行影响更大;从地域角度来看,对西部地区和北方地区城市商业银行的影响更显著。通过机制检验,发现地域多元化会弱化银行的盈利能力,进而影响信用风险水平。更多还原

【Abstract】 Based on the unbalanced panel data of China’s city commercial banks during 2007-2018, this paper uses Two-step System GMM to empirically analyze the impact of geographic diversification operation on the credit risk level in city commercial banks. The results show that the geographic diversification of city commercial banks will raise the credit risk, and the impact is even greater on small-asset and non-listed city commercial banks; regionally, the impact is more significant on city commercial banks in western and northern areas. The mechanism test shows that geographic diversification will dilute the profitability of banks, and affect the level of credit risk.更多还原