The Research On The Net Interest Margin Of National Commercial Banks And Its Related Influencing Facts

Net interest margin(NIM)in banking system is not only the main source of profits but also it affects people’s life in many aspects.In recent years,there is acute discussion about the level of NIM in Chinese banking system.The marketization of interest rates have been progressed a lot in china and marketization will be more opened by time and the net interest of our country have changed a lot.If the influencing factors have changed and how is the degree,this paper is going to research.First of all,this paper expounds the concept of net interest margin,bank intermediate business and benchmark spread,analyzes the relationships of the net interest margin and the other two,lay the theoretical foundation to the following empirical analysis of the bank’s net interest margin.Secondly,this paper theoretically analyzes the influencing factors of net interest margin.It gets theoretical factors through the derivation of the mathematical model and the read of literature theory;Describe separately the influence mechanism of various factors on the bank’s net interest margin;put forward the quantitative indicators of the impact of various factors,calculation method,and establish a index system of the influencing factors of the bank’s net interest margin,lay the groundwork for the empirical research in the paper.Thirdly,this paper makes an empirical analysis on the influencing factors of net interest margin.This paper selects the financial data of 23 domestic banks in 2008-2013.The full sample model and sample classification model are established and use panel data regression analysis method of two sample model of quantitative analysis and each sample should adopt the effects in the model that are determined by the Hausman test.And the theoretical analysis and empirical results are compared and analyzed.Finally,it proposes policy recommendations from the micro level,including two aspects of the bank as a whole and classification of bank,and external financial environment according to the empirical results,with significant factors.