新兴市场银行收入多元化的启示 财务业绩

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摘要翻译：
受结构性变革力量的影响，新兴市场的银行业最近经历了传统活动的衰落，导致银行转向多样化，进入新的业务战略。本文考察了观察到的转向非利息活动是否改善了财务绩效。通过对东亚和拉丁美洲14个国家的714家银行在1997年后危机变化结构中的样本分析，我们发现多样化收益被增加非利息收入敞口的成本所抵消，特别是被交易收入波动所抵消。但是，这种分散绩效的影响与风险之间并不是线性的，而且在不同的银行之间和不同的业务部门之间也不是完全一致的。这些发现的一个含义是，银行机构只要根据自己的具体特点、能力和风险水平进行充分的研究，并选择正确的利基，就可以获得多样化的好处。
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英文标题：
《Revenue diversification in emerging market banks: implications for
  financial performance》
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作者：
Saoussen Ben Gamra (CEPN), Dominique Plihon (CEPN)
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最新提交年份：
2011
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分类信息：

一级分类：Quantitative Finance        数量金融学
二级分类：General Finance        一般财务
分类描述：Development of general quantitative methodologies with applications in finance
通用定量方法的发展及其在金融中的应用
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英文摘要：
  Shaped by structural forces of change, banking in emerging markets has recently experienced a decline in its traditional activities, leading banks to diversify into new business strategies. This paper examines whether the observed shift into non-interest based activities improves financial performance. Using a sample of 714 banks across 14 East-Asian and Latin-American countries over the post 1997-crisis changing structure, we find that diversification gains are more than offset by the cost of increased exposure to the non-interest income, specifically by the trading income volatility. But this diversification performance's effect is found to be no linear with risk, and significantly not uniform among banks and across business lines. An implication of these findings is that banking institutions can reap diversification benefits as long as they well-studied it depending on their specific characteristics, competences and risk levels, and as they choose the right niche.
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PDF链接：
https://arxiv.org/pdf/1107.0170

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关键词：新兴市场 新兴市 多元化 Quantitative Applications 多元化 activities risk 收入 研究