中文摘要：

基于2003～2015年中国16家上市银行的非平衡面板数据,实证分析资本监管压力通过收入多元化的中介作用对银行稳健性的影响。研究发现,资本监管压力能够约束银行风险行为,提高银行稳健性;收入多元化程度越大,银行稳健性越好;收入多元化在资本监管压力影响银行稳健性的过程中发挥显著的中介作用。因此,提高资本监管压力,能够促使银行拓展收入来源,提高银行稳健性。

英文摘要：

Based on the non-equilibrium panel data of 16 listed banks in China during 2003-2015, the author of this paper analyzes the influence of capital supervision pressure on the bank stability through the intermediary role of income diversification. It＇s found that the capital supervision pressure can restrain the risk behaviors of banks and improve the bank stability; the greater the degree of income diversification, the better the bank stability is; the income diversification plays a significant intermediary role in the process of capital regulation pressure affecting the bank stability. Therefore, to raise the capital supervision pressure can promote banks to expand the income source and improve the stability.