本文關鍵詞： 商業(yè)銀行 非利息業(yè)務 經(jīng)營績效　出處：《遼寧大學》2013年碩士論文　論文類型：學位論文

【摘要】：資產(chǎn)業(yè)務、負債業(yè)務和中間業(yè)務是商業(yè)銀行三大收入的主要來源。20世紀90年代以來，市場競爭壓力以及監(jiān)管環(huán)境方面的變化，使得商業(yè)銀行的未來發(fā)展之路更加的具有波動性。面對這一情況的變化，商業(yè)銀行不得不改變其利息收入獨大的收入結(jié)構(gòu)，從而有計劃、有步驟的開展非利息業(yè)務。西方商業(yè)銀行已紛紛通過多元化、綜合化經(jīng)營，大力拓展投資銀行、證券經(jīng)紀、保險代理、基金代售等業(yè)務，使非利息收入得到空前發(fā)展。 反觀中國銀行業(yè)，由于現(xiàn)代商業(yè)銀行的體制完善的晚，商業(yè)銀行非利息收入對總收入的貢獻程度還并不是很高。隨著改革開放和金融體制改革的進一步深入，以及受金融脫媒現(xiàn)象等因素的影響，單純依靠利息收入已經(jīng)不能維持原有的盈利水平。面對這一經(jīng)營環(huán)境的變化，各商業(yè)銀行越來越重視非利息業(yè)務，紛紛制定各種發(fā)展非利息業(yè)務的戰(zhàn)略，，采取多項措施推動非利息業(yè)務的發(fā)展。然而，非利息業(yè)務能否有效的提高商業(yè)銀行的績效還是個值得探討研究的問題。 在這樣的現(xiàn)實和背景下，本文希望能通過對我國商業(yè)銀行數(shù)據(jù)的分析，找出非利息收入與商業(yè)銀行的收益和非利息業(yè)務之間的依存關系和發(fā)展規(guī)律，為銀行在發(fā)展非利息業(yè)務的過程中，提供有益的參考。在具體的研究方法上，本文選取了5家國有商業(yè)銀行和7家股份制商業(yè)銀行作為研究對象，利用各商業(yè)銀行網(wǎng)站公布的2001年至2011年的數(shù)據(jù)資料以及國家統(tǒng)計局網(wǎng)站上的數(shù)據(jù)資料。通過建立面板數(shù)據(jù)模型對我國商業(yè)銀行非利息收入與績效之間的關系進行了實證分析，得出如下結(jié)論：不論是國有商業(yè)銀行還是股份制商業(yè)銀行，提高非利息收入的比重對商業(yè)銀行經(jīng)營績效的增加都具有正的效應，且國有商業(yè)銀行組的非利息收入占比對銀行績效的影響要高于股份制商業(yè)銀行組的非利息收入占比對銀行績效的貢獻。這是由于股份制商業(yè)銀行非利息收入的拓展更依賴于營業(yè)成本的投入，很難為股份制商業(yè)銀行帶來更高的收益率。所以，商業(yè)銀行在擴大非利息收入的同時，要注意控制成本，這樣才能實現(xiàn)利潤的增長。
[Abstract]:Asset business, liability business and intermediate business are the three main sources of income of commercial banks since 90s, the market competition pressure and regulatory environment changes. It makes the future development of commercial banks more volatile. Facing the change of this situation, commercial banks have to change their income structure of interest income, so they have a plan. Western commercial banks have expanded investment banking, securities brokerage, insurance agents, fund sales and other business through diversification, comprehensive management, and so on. The development of non-interest income is unprecedented. On the other hand, due to the late perfection of the modern commercial bank system, the contribution of non-interest income to the total income of commercial banks is not very high. With the further deepening of reform and opening up and financial system reform. As well as the influence of financial disintermediation phenomenon, simply relying on interest income can not maintain the original level of profit. Facing the change of operating environment, commercial banks pay more and more attention to non-interest business. Many strategies have been made to develop non-interest business, and many measures have been taken to promote the development of non-interest business. However, whether non-interest business can effectively improve the performance of commercial banks is still a question worth studying. In such a reality and background, this paper hopes to find out the dependence and development law between non-interest income and the income and non-interest business of commercial banks through the analysis of the data of commercial banks in China. In the specific research methods, this paper selects 5 state-owned commercial banks and 7 joint-stock commercial banks as the research object. Using the data from 2001 to 2011 published on the websites of commercial banks and the data on the website of the National Bureau of Statistics, this paper discusses the non-interest income and performance of commercial banks in China through the establishment of panel data model. The relationship between the empirical analysis. The conclusion is as follows: whether state-owned commercial banks or joint-stock commercial banks, increasing the proportion of non-interest income has a positive effect on the increase of commercial banks' operating performance. Moreover, the proportion of non-interest income of state-owned commercial banks to bank performance is higher than that of joint-stock commercial banks. This is due to the extension of non-interest income of joint-stock commercial banks. The exhibition relies more on the input of operating cost. It is difficult to bring higher yield for joint-stock commercial banks. Therefore, commercial banks should pay attention to cost control while expanding non-interest income, in order to achieve profit growth.
【學位授予單位】：遼寧大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.2;F832.33

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