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通过把是否上市看作控制变量引入SFA模型,反映是否上市对银行贷款效率的影响,建立包含是否上市的银行贷款效率的SFA模型,评价是否上市对银行贷款效率的影响.通过逐步回归方法,逐步剔除SFA模型中对银行净利息收入影响最小的变量,即t检验不显著且t绝对值最小的变量,保留所有对被解释变量影响显著的解释变量,建立银行贷款效率的SFA模型,评价银行贷款效率.实证研究结果表明:一是当其他变量不变的情况下,利息支出,贷款余额,总资产,员工人数增加1%,银行净利息收入会分别增加0.407%,0.156%,0.234%和0.176%.二是银行是否上市对银行净利息收入存在显著影响.银行上市前技术进步对银行净利息收入的影响因子为-1.911;上市后技术进步对银行净利息收入的影响因子增加到-1.911+0.156.三是上市银行的贷款效率高于非上市银行的贷款效率.上市公司和非上市公司的贷款效率差异随着时间在增加.三大国有银行上市后,其银行贷款效率大幅度提高.
By introducing SFA model whether listed as a control variable and reflecting the effect of listing on the efficiency of bank loans, this paper establishes a SFA model that includes the efficiency of bank loans listed and evaluates whether the listing will affect the bank loan efficiency. By stepwise regression, Excluding the variables that have the least effect on the net interest income of the banks in the SFA model, that is, variables with insignificant t-test and t-absolute value, all explanatory variables that have a significant impact on the explanatory variables are retained, and the SFA model of bank loan efficiency is established. Efficiency.Experimental results show that: First, when other variables remain unchanged, interest income, loan balance, total assets and staff numbers increase by 1%, net interest income of banks will increase 0.407%, 0.156%, 0.234% and 0.176 %. Second, whether the bank listed or not has a significant impact on the bank’s net interest income. The impact factor of the bank’s pre-market technological advances on the bank’s net interest income is -1.911; the impact of the technological advances on the bank’s net interest income after listing increases to -1.911+ 0.156. Third, the efficiency of loans of listed banks is higher than that of non-listed banks. The lending efficiency of listed companies and non-listed companies With the time difference in the increase after three state-owned banks to be listed, its bank lending efficiency greatly improved.