苏南农村商业银贷集中度与风险效应分析.docVIP

苏南农村商业银行信贷集中度与风险效应分析 姚瓴（tel 南京审计学院，国际审计学院 江苏，南京 211815 摘要：本文用行业集中度、客户集中度两个指标来衡量苏南地区农村商业银行的贷款集中度，以苏南农商行五年银行数据为研究样本进行测算，在此基础上，采用面板数据分别建立回归模型，考察各银行的贷款集中度对收益及风险的影响。 关键词：农村商业银行；贷款集中度；效益与风险 Abstrct: In this paper, the industry concentration and the customer concentration degree are used to measure concentration of south jiangsu rural commercial bank loans, southern jiangsu rural banks’data are also used. On this basis,we use panel data to set up regression model respectively, and exam the influence that the banks’ loans concentration to the profit and the risk. Key words: Rural comme