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1972－。、。———、100070。DOI10．13962/j．cnki．37－1486/f．2015．06．013F830A2095－3410201506－0099－07、。《TheBanker》2013100096。。。“”。。。。。、。。MIＲJANA20061、。DietrichWanzenried20112·99·20156、、。LozanoPasiouras20103。。Demirgiiu－KuntHuiainga19994。。Dietrichetal．20105、、、。。HorstLoechel20116。Tzu－PuChang201272002－2009、。。、。20148502005－2012、。20149。201310。201411。。201112“”。2012131995－201017NIM、。201314142004－2011。、。、、、。、、1002004－2013·001·。、。、ＲOEＲOA。2004ＲOAA。。GunjiaYuan201015TA、、ETCIＲ。。GDP。GDP。。11ＲOAA/LNTANIMET/。CIＲNPL/NII/CPIGDPＲGDP2004－2013、、bankscope。、、100。bank-scope633505654。100、1383377。。WOＲLDdatabank。2·101·20156GDP。2ＲOAALNTAETCIＲNIMNPLNIICPIＲGDP0．8416．057．1844．392．923．5612．613．0910．720．8715．495．7339．572．751．9810．022．3110．403．0121．4359．06350．836．6879．8984．146．5814．20－6．5311．40－13．7117．720．420．00－129．161．269．200．692．076．8423．170．996．4717．671．851．69377377377377377377377377377ＲOAALNTAETCIＲNIMNPLNIICPIＲGDP0．9718．789．9959．993．3441．451．34105．791．431．0818．629．2958．793．2541．100．63106．172．676．0021．8934．50246．1316．92133．0936．57111．663．59－8．0913．17－1．760．00－1．78－109．830．0096．72－3．501．031．064．4118．471．8925．012．325．162．39633633633633633633633633633ＲOAALNTAETCIＲNIMNPLNIICPIＲGDP0．3919．914．3364．631．3438．223．23107．000．910．4419．813．9860．581．1840．262．42108．612．112．6422．0615．61323．374．59213．5035．72112．433．31－8．0917．49－0．4623．86－1．24－320．000．0097．58－4．290．730．892．1226．310．8633．322．944．512．70505505505505505505505505505ＲOAALNTAETCIＲNIMNPLNIICPIＲGDP0．1917．885．4562．281．4420．544．35100．330．780．2517．475．0262．241．5016．323．90100．272．046．1221．4650．97174．774．27312．7020．43101．684．00－16．9816．18－16．888．97－0．46－328．720．0099．59－6．291．021．174．4014．160．4530．502．490．593．29654654654654654654654654654bankscopeWOＲLDdatabank。、GLSStata12。Hausman。3。、。31%0.2455－1.13103ＲOAALNTA0．2455＊＊2．48790．41652．1798－1．1310＊＊＊－3．48230．05720．5651ET－0．0050－0．62750．2808＊＊＊3．50600．2843＊＊2．51110．02270．8186NIM0．1897＊＊＊4．79180．11290．9847－0．4537－1．01510．1605＊＊2．17360CIＲ－0．0146＊＊＊－5．7833－0．0050＊＊＊－3．1069－0．0110＊＊－2．5011－0．0138＊＊＊－3．4686NPL－0．0102－1．5249－0．0879＊＊＊－5．0271－0．1419＊＊－2．5281－0．1378＊＊＊－2．9054NII0．0040＊＊1．92700．00070．4221－0．00010．21060．0123＊＊2．0807CPI－0．0026－0．2826－0．0470＊＊＊－4．0569－0．0388－0．5558－0．0219＊＊－2．2347ＲGDP－0．0406＊＊＊－3．44090．00710．60040．00150．12680．0775＊＊＊5．1762C－2．2684＊＊－2．4544－3．6602－1．206324．7037＊＊2．55561．84241．1521FValueＲ2AdjustedＲ2Obs．14．58960．85140．79303774．76170．56210．44405052．73710．34910．22166547．99640．61970．4976633t＊＊＊、＊＊*1%、5%10%。·201·。NIM1%5%。NPL。、1%－0.0879－0．1419－0．1378。。NII0．01230．0040。。ET－0．0050。。。CIＲ1%。。CPICPI。。、GDP。2012。ＲOEＲOAA4。ＲOAA。。4LNTA0．2887＊＊＊6．4833－0．1141－0．9064－1．1318＊＊＊－3．4466－0．2673＊＊＊－3．0326ET－0．0040－0．48300．2563＊＊＊3．27260．2847＊＊2．51620．01630．5893NIM0．2162＊＊＊5．24820．10560．9099－0．4611－1．04440．1802＊＊2．2780CIＲ－0．0142＊＊＊－5．4751－0．0045＊＊＊－3．1594－0．0117＊＊＊－2．5302－0．0134＊＊＊－3．0750NPL－0．0090－1．3691－0．1117＊＊＊－5．4584－0．1409＊＊－2．5519－0．2070＊＊＊－4．4310NII0．0043＊＊2．00860．0028*1．6700－0．00010．18300．0135＊＊2．1422C－3．7952＊＊＊－4．95111．95320．735020．8711＊＊＊3．31095．7450＊＊＊3．5958F－ValueＲ2AdjustedＲ2Obs．14．27860．84520．78603774．19000．52440．39925052．79230．34860．22376546．96110．558110．4976633t＊＊＊、＊＊*1%、5%10%。·301·20156、、、1002004－2013。。。。。III。。。。、。。。。1MIＲJANAPEJIC＇BACH．FinancialStructureandtheProfitabilityofCroatianBanksJ．jstor20062DietrichA．WanzenriedG．DeterminantsofBankProf-itabilityBeforeandDuringtheCrisisEvidencefromSwitzerlandJ．JournalofInternationalFinancialMarketsInstitutionsandMoney201121307－327．3Lozano－VivasA．PasiourasF．TheImpactofNon－traditionalActivitiesontheEstimationofBankEfficiencyInter-nationalEvidenceJ．JournalofBankingandFinance2010341436－1449．4Demirg－KuntA．HarryHuizinga．DeterminantsofCommercialBankInterestMarginsandProfitabilitySomeInter-nationalEvidenceJ．TheWorldBankEconomicＲeview199902379－408．5DietrichA．WanzenriedG．ＲebelA．Cole．WhyAreNet－interestMarginsAcrossCountriesSoDifferentＲ．Pa-perpresentedatthe2010AnnualMeetingoftheMidwesternFi-nanceAssociationHeldFebruary25－272010inLasVegasNVUSA．6HorstLoechelHelenaXiangLi．China’sChangingBusinessModelofBankingJ．CEIBSEU－ChinaBMTWork-ingPaperSeriesNo．102010．7Tzu－PuChangJiu－LiHuＲayYeutieuChouLeiSun．TheSourcesofBaukProductivityGrowthinChinaduring2002－2009ADisaggregationViewJ．JournalofBanking＆Finance2012361997－2006．8．———J．20140243－51．9．J．20110557－66．10．EB/OL．http//finance．sina．com．cn/review/hgds/20130719/201016185394．sht-·401·ml2013．11．———J．20140650－59．12．2000－2009J．20110138－44．13．、———17J．2012019－15．14．J．20130588－96．15HiroshiGunjiaYuanYuan．BankprofitabilityandthebanklendingchannelEvidencefromChinaJJournalofAsianEconomics201021129141．WhatDeterminestheSustainabilityoftheCommercialBankProfit———AComparativeAnalysisbetweenDomesticandForeignBanksZhouYeZhangMingSchoolofFinancetheCapitalUniversityofEconomicsandBusinessBeijing100070ChinaAbstractAmongmanyfactorsaffectingthecharacteristicsofChina'scommercialbanks＇profitabilitythecompetitivenessofthecom-mercialbankinChinaismainlydependentonnetinterestmarginsandexpansionofassetscale．Assetqualityisnotansignificantim-pactondomesticbanks．Comparedwiththecommercialbanksofdevelopedcountrieswhosefinancialsystemare