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信贷结构对商业银行的经营风险和经营结果具有重要影响,客户信贷结构即公司信贷和个人信贷的结构关系,是银行信贷结构的重要方面。本文以商业银行个人贷款占总贷款的比重作为客户信贷结构的量化指标,基于我国商业银行的微观经验数据实证研究了商业银行客户信贷结构对其财务绩效可能带来的影响。研究发现中资商业银行个人信贷比重的提高将有助于提升银行的财务绩效。该研究结论对我国商业银行优化信贷结构具有重要的决策指导意义。
The credit structure has a significant impact on the operational risks and operating results of commercial banks. The customer credit structure is the structural relationship between corporate credit and personal credit, which is an important aspect of the bank credit structure. Based on the micro-empirical data of commercial banks in our country, this paper uses the proportion of personal loans to total loans of commercial banks as the quantitative indicators of customer credit structure. Based on the micro-empirical data of commercial banks in our country, this paper empirically studies the possible impact of commercial banks’ customer credit structure on their financial performance. The study found that the increase in the proportion of personal loans of Chinese-funded commercial banks will help improve the financial performance of banks. The conclusions of this study have important guiding significance for decision-making for optimizing the credit structure of commercial banks in our country.