BANKA YAŞI VE FİNANSAL PERFORMANS: İLİŞKİ DOĞRUSAL MI DEĞİL Mİ? ÇİN’DE BORSAYA KAYITLI VE KAYITLI OLMAYAN TİCARET BANKALARINDAN KANITLAR

Yıl 2022, , 893 - 906, 31.12.2022

Özcan Işık , Ersan Ersoy

https://doi.org/10.29106/fesa.1217119

Öz

Bu çalışma, 2006-2019 dönemi boyunca Çin bankacılık endüstrisinden 50 ticari bankanın bir örneğini kullanarak banka yaşının banka finansal performansı üzerindeki etkisini ampirik olarak araştırmaktadır. Bu çalışmada, dengesiz bir panel veri seti ve PCSE panel tahmin prosedürü kullanıyoruz. Bankaya özgü, sektöre özgü ve makroekonomik göstergeler kontrol edildikten sonra, tahmin sonuçlarımız, borsada işlem gören için bankalar ROA ve ROE modellerinde banka yaşı ile karlılık göstergeleri arasında pozitif ve doğrusal bir ilişki olduğunu göstermektedir. Bununla birlikte, banka yaşı ve karesi için tahmin edilen katsayıların, kote olmayan bankalar için tüm modellerde (yani ROA, ROE ve NIM) istatistiksel olarak anlamlı olduğu bulunmuştur. Bu sonuçlar, yaş-karlılık bağlantısının borsada işlem görmeyen bankalar için U-şeklinde bir model izlediğini göstermektedir.

Anahtar Kelimeler

Çin Ticari Bankaları, Banka Yaşı, Finansal Performans, PCSE

BANK AGE AND FINANCIAL PERFORMANCE: IS THE RELATIONSHIP LINEAR OR NONLINEAR? EVIDENCE FROM LISTED AND UNLISTED COMMERCIAL BANKS IN CHINA

Öz

This study empirically investigates the impact of bank age on bank financial performance using a sample of 50 commercial banks from Chinese banking industry over the period 2006-2019. In this study, we employ an unbalanced panel data set and PCSE panel estimation procedure. After controlling for the bank-specific, the industry-specific, and the macroeconomic indicators, our estimation results suggest that there exists a positive and linear relationship between bank age and profitability indicators in ROA and ROE models for listed banks. However, the estimated coefficients for bank age and its square are found to be statistically significant in all models (i.e. ROA, ROE and NIM) for unlisted banks. These results suggest that age-profitability linkage follows the U-shaped pattern for unlisted banks.

Anahtar Kelimeler

PCSE, Chinese commercial banks, Bank age, Financial Performance

Kaynakça

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