【摘要】：非利息收入業(yè)務(wù)并不是一個(gè)新詞語，在20世紀(jì)八十年代國際金融環(huán)境發(fā)生巨變之后，金融市場因利率、匯率的頻繁調(diào)整而不斷出現(xiàn)波動(dòng)，金融“脫媒”現(xiàn)象開始出現(xiàn)，同時(shí)商業(yè)銀行傳統(tǒng)業(yè)務(wù)出現(xiàn)萎縮等變化，都使得這一詞語迅速出現(xiàn)并受到廣泛關(guān)注。在我國，由于對非利息收入業(yè)務(wù)的研究并不完善，因此存在概念混淆、交叉和對其發(fā)展的路徑、方法和利弊的爭議。本文的研究目的就是明確非利息收入業(yè)務(wù)的概念、通過實(shí)證證明中國商業(yè)銀行經(jīng)營績效與其非利息收入業(yè)務(wù)之間的相關(guān)關(guān)系以及從理論和實(shí)際兩方面分析兩類銀行（國有銀行和其他股份制商業(yè)銀行）存在差異的原因，最后提出具有參考意義的對策建議。 本文采取的方法是通過面板數(shù)據(jù)，綜合考慮截面和時(shí)間序列兩方面包含的信息，利用最小二乘法得出解釋變量（非利息收入占比、營業(yè)費(fèi)用率和總資產(chǎn)的自然對數(shù)）和被解釋變量（資產(chǎn)收益率）之間的關(guān)系，包括正負(fù)相關(guān)關(guān)系、系數(shù)以及影響的顯著性。同時(shí)本文在研究上采用對國有銀行和其他股份制商業(yè)銀行分開處理分析的方法，以確保得出的非利息收入業(yè)務(wù)對經(jīng)營績效的影響更具有代表性和特性，，并分析存在差異的原因。 本文通過研究和實(shí)證檢驗(yàn)得出的結(jié)論為：國有銀行的非利息收入占比和其經(jīng)營能力呈正相關(guān)關(guān)系，即對于國有商業(yè)銀行來講，其收益會(huì)隨著銀行非利息收入業(yè)務(wù)的開展而增加，因此大力發(fā)展非利息收入業(yè)務(wù)是有利的，這與本文開始的基本假設(shè)一致。而對于股份制商業(yè)銀行而言，非利息收入業(yè)務(wù)的拓展并沒有表現(xiàn)出希望的帶動(dòng)效益上升的作用，反而起到了負(fù)向的抑制作用，但這種影響并沒有國有銀行表現(xiàn)出的顯著。 在分析存在差異性的原因以及羅列商業(yè)銀行非利息收入業(yè)務(wù)發(fā)展存在的問題之后，在文章的最后提出中國進(jìn)一步拓展非利息收入業(yè)務(wù)的對策，包括：明確手續(xù)費(fèi)及傭金收入的主要地位并完善其結(jié)構(gòu)；推進(jìn)產(chǎn)品創(chuàng)新，建立品牌特色；與非銀行類金融機(jī)構(gòu)結(jié)成戰(zhàn)略同盟；擴(kuò)展商業(yè)銀行的投資渠道；加強(qiáng)非利息收入業(yè)務(wù)自身完善。希望通過以上研究和對策建議可以為中國商業(yè)銀行發(fā)展非利息收入業(yè)務(wù)提供有力的參考依據(jù)。
[Abstract]:Non-interest income business is not a new word. After the great changes took place in the international financial environment in the 1980s, the financial market fluctuated continuously because of the frequent adjustment of interest rates and exchange rates, and the phenomenon of financial "disintermediation" began to appear. At the same time, the traditional business of commercial banks shrinks and so on, which makes the term appear quickly and receive wide attention. In our country, the research on non-interest income business is not perfect, so there is confusion of concept, crossover and dispute about the path, method and advantages and disadvantages of its development. The purpose of this paper is to clarify the concept of non-interest income business. This paper proves the correlation between the performance of Chinese commercial banks and their non-interest income business, and analyzes the reasons for the differences between the two types of banks (state-owned banks and other joint-stock commercial banks) in theory and practice. Finally, the countermeasures and suggestions with reference significance are put forward. The method adopted in this paper is to use panel data and synthetically consider the information contained in cross-section and time series, and use the least square method to get the interpretation variable (non-interest income ratio). The relationship between operating expense rate and the natural logarithm of total assets) and the explained variable (rate of return on assets) including positive and negative correlation coefficient and significance of influence. At the same time, this paper adopts the method of dealing with the state-owned banks and other joint-stock commercial banks separately in order to ensure that the non-interest income business has more representative and characteristic influence on the operating performance, and analyzes the reasons for the differences. The conclusions of this paper are as follows: the proportion of non-interest income of state-owned banks is positively related to their operating ability, that is, for state-owned commercial banks, their earnings will increase with the development of non-interest income business of banks. Therefore, it is advantageous to develop non-interest income business vigorously, which is consistent with the basic hypothesis at the beginning of this paper. For joint-stock commercial banks, the expansion of non-interest income business does not show the desired effect of driving up the benefit, but has played a negative role, but this impact is not obvious as shown by the state-owned banks. After analyzing the reasons for the differences and the problems in the development of non-interest income business of commercial banks, at the end of this paper, the author puts forward the countermeasures to further expand the non-interest income business in China. It includes: clarifying the main status and perfecting the structure of commission and commission income; promoting product innovation and establishing brand characteristics; forming strategic alliance with non-bank financial institutions; expanding the investment channels of commercial banks; Strengthen non-interest income business itself to improve. It is hoped that the above research and suggestions can provide a strong reference basis for the development of non-interest income business of Chinese commercial banks.
【學(xué)位授予單位】：遼寧大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.33

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本文編號(hào)：2218821