新兴市场银行的收入多样化：对财务业绩的影响
Revenue diversification in emerging market banks: implications for financial performance
摘要：
在结构性变革力量的影响下，新兴市场的银行业最近经历了传统业务的下滑，导致银行转向新的业务战略。本文探讨了所观察到的转移到非利息为基础的活动是否提高了财务业绩。使用的714家银行在14个东亚和拉丁美洲国家的样本在1997年后的危机变化的结构，我们发现，多元化收益超过了成本的增加，暴露于非利息收入，特别是交易收入的波动性。但是，这种多元化绩效的效果被发现与风险不是线性的，并显着不均匀的银行和跨业务线。这些研究结果的一个含义是，银行机构可以获得多样化的好处，只要他们充分研究它取决于他们的具体特点，能力和风险水平，并作为他们选择正确的利基。
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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