THE IMPACTS OF OFF-BALANCE SHEET BUSINESS AND BANK RISK ON COMMERCIAL BANK PERFORMANCE: AN EMPIRICAL TEST OF CHINA’S A-SHARE LISTED COMMERCIAL BANKS
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บทคัดย่อ
From 2008 to 2016, China’s A-share listed commercial banks are used as a sample to verify the impact of off-balance sheet business and bank risk on the performance of commercial banks. This paper adopts the CSMAR database. The sample size was 145 in total. And the annual reports of listed companies in the measurement of off-balance sheet business. Choose the ratio of fee and commission income to operating income to measure the contribution rate of off-balance sheet business income, and the variable is named OBS, which is equal to the total revenue of bank i’s (various) off-balance sheet operations in the t-the half-year divided by the bank’s operating revenue. Using regression analysis research method, the results show that: (1) the higher the off-balance sheet business, the higher the performance of commercial banks; (2) the higher the risk of banks, the lower the performance of commercial banks. Based on the above conclusions on performance, to better control the risks brought about by the diversification of commercial banks’ operations.
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“ข้าพเจ้าและผู้เขียนร่วม (ถ้ามี) ขอรับรองว่า บทความที่เสนอมานี้ยังไม่เคยได้รับการตีพิมพ์และไม่ได้อยู่ระหว่างกระบวนการพิจารณาลงตีพิมพ์ในวารสารหรือแหล่งเผยแพร่อื่นใด ข้าพเจ้าและผู้เขียนร่วมยอมรับหลักเกณฑ์การพิจารณาต้นฉบับ ทั้งยินยอมให้กองบรรณาธิการมีสิทธิ์พิจารณาและตรวจแก้ต้นฉบับได้ตามที่เห็นสมควร พร้อมนี้ขอมอบลิขสิทธิ์บทความที่ได้รับการตีพิมพ์ให้แก่สถาบันการจัดการปัญญาภิวัฒน์หากมีการฟ้องร้องเรื่องการละเมิดลิขสิทธิ์เกี่ยวกับภาพ กราฟ ข้อความส่วนใดส่วนหนึ่งและ/หรือข้อคิดเห็นที่ปรากฏในบทความข้าพเจ้าและผู้เขียนร่วมยินยอมรับผิดชอบแต่เพียงฝ่ายเดียว”
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