Influence of Off-Balance Sheet Business on Deposit and Loan Business and Operating Performance of Listed Banks
Abstract
This paper takes 16 listed commercial banks from 2011 to 2020 as the research object to study the impact of off-balance sheet business development on commercial banks' deposit and loan business and operating performance. The empirical results show that the development of off-balance sheet business promotes the growth of bank deposit business, but has no significant impact on the loan business. The development of off-balance sheet business is conducive to the improvement of profit level of commercial banks; Off-balance sheet business development can reduce the non-performing loan ratio and reduce financial risks. Commercial banks should attach importance to the development of off-balance sheet business and improve their internal control system and risk control system. Regulators need to create an environment conducive to the development of off-balance sheet business, improve relevant laws and regulations, and improve the regulatory system.
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DOI: http://dx.doi.org/10.18686/fm.v8i1.6500
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