1、数据名称：上市公司企业金融化程度面板数据+stata代码（2000-2024年） 上市公司企业金融化程度是一个复杂且动态变化的概念，它反映了企业在经营过程中金融资产的配置比例以及通过金融渠道获利的能力。 2、范围：2000 - 2024 年 说明：包括原始数据、运行代码、最终结果(Excel和Dta)、参考文献 金融资产包括：交易性金融资产 衍生金融资产 发放贷款及垫款净额 可供出售金融资产净额 持有至到期投资净额 投资性房地产净额 指标说明： * 定义企业是否购买金融资产（finratio）这个哑变量作为企业金融化的替代变量， * 即企业是否购买了交易性金融资产、衍生金融资产、可供出售金融资产、持有至到期投资、投资性房地产以及是否存在发放贷款及垫款 Finratio1= 非金融企业投资收益、公允价值变动损益以及其他综合收益等金融渠道获利加总占营业利润的比例 对金融渠道获利进行标准化，即公司金融化程度（Finratio2）= ( 金融渠道获利 － 营业利润) / |营业利润| | িন | 文件名 | 修改时间 | T 大小 | | --- | --- | --- | --- | | > | 金融化代码. ...

Core Viewpoint - Guiyang Bank reported a decline in both operating income and net profit for the first half of 2025, indicating ongoing challenges in profitability and asset quality [2][3][15]. Financial Performance - As of June 30, 2025, Guiyang Bank's total assets reached 741.54 billion RMB, an increase of 35.87 billion RMB or 5.08% from the beginning of the year [3]. - The bank's operating income for the first half of 2025 was 6.50 billion RMB, down 12.22% year-on-year, while net profit attributable to shareholders decreased by 7.20% to 2.47 billion RMB [4][15]. - The bank's interest income from loans and advances accounted for 56.1% of total income, amounting to 758.52 million RMB, reflecting a decline of 9.16% [5][6]. Profitability Indicators - Key profitability metrics showed a downward trend, with the net interest margin decreasing by 0.28 percentage points to 1.53% and the net profit margin dropping by 0.20 percentage points to 1.55% [7][9]. - The return on total assets fell by 0.04 percentage points to 0.35% [8][9]. Asset Quality - The non-performing loan (NPL) ratio increased by 0.12 percentage points to 1.70%, surpassing the industry average of 1.49% [11][14]. - The bank's provision coverage ratio decreased by 18.43 percentage points to 238.64%, although it remains above the industry average of 211.97% [13][14]. Revenue Composition - The bank's revenue structure showed significant declines across various income sources, with interest income from interbank placements down 39.01% and from trust and asset management plans down 37.67% [6][7]. - The only revenue categories with declines below 5% were other income and fee and commission income, which fell by 2.10% and 2.83%, respectively [7]. Historical Performance Trends - The decline in operating income and net profit is not a new trend, as the bank has experienced a continuous downturn for two and a half years, with previous years also showing declines in revenue and profit [15][16].