关键词: 经营活动 , 融资策略 , 利润 , 风险

Abstract: The 2008 financial crisis has important implications for the feasibility of different banking models. Using the panel data of 97 Chinese commercial banks from 2005 to 2012, this paper comprehensively takes both bank activity and funding strategies into account, and examines their impact on bank risk and return. This paper finds that due to the excessive reliance on depository funding and lack of motivation to develop noninterest business, expansion into noninterest incomegenerating activities and nondepository finance cant improve the bank profit and diversify risk obviously, which is very different from the experience of developed countries. This conclusion can provide some basis and suggestions for banking sectors reformation in the future.

Key words: bank activity , funding strategies , bank profit , bank risk