银行净息差的影响因素研究

平安证券股份有...
18 Jul

银行净息差的本质是什么?净息差(Net Interest Margin, NIM)为银行的净利息收入与全部生息资产的比值,是衡量银行盈利能力的关键指标。从定义看,净息差可以看做债权类资本的投资回报率,其变化趋势与股权资本投资回报率应该一致。银行净息差与哪些因素有关?银行净息差本质是资本的投资回报率,周期是5-9年,主要影响因素是技术、资本、劳动力、企业组织效率和全社会的分配关系五大因素。长期来看,...

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