本文關(guān)鍵詞： 收入結(jié)構(gòu) 收入結(jié)構(gòu)轉(zhuǎn)型 盈利能力 商業(yè)銀行　出處：《內(nèi)蒙古大學(xué)》2017年碩士論文　論文類(lèi)型：學(xué)位論文

【摘要】：長(zhǎng)期以來(lái),內(nèi)蒙古W市各家商業(yè)銀行都是以傳統(tǒng)的存貸款業(yè)務(wù)作為主要收入來(lái)源,對(duì)利差的依賴較大。但目前我國(guó)利率市場(chǎng)化已經(jīng)基本完成,金融脫媒程度正逐漸加深,銀行資本約束也在不斷增強(qiáng),商業(yè)銀行面臨利差縮窄、競(jìng)爭(zhēng)加劇的挑戰(zhàn)。在這樣的背景下,拓展非利息收入,進(jìn)行收入結(jié)構(gòu)轉(zhuǎn)型成為銀行業(yè)的共識(shí)。然而,目前學(xué)術(shù)領(lǐng)域?qū)κ杖虢Y(jié)構(gòu)轉(zhuǎn)型的研究還沒(méi)有形成一致的結(jié)論,所以,為了探索適合內(nèi)蒙古W市銀行業(yè)的收入結(jié)構(gòu)的轉(zhuǎn)型之路,本文以當(dāng)?shù)厣虡I(yè)銀行為樣本研究其收入結(jié)構(gòu)對(duì)盈利能力的影響。本文在回顧總結(jié)前人研究的基礎(chǔ)上,以金融創(chuàng)新理論、范圍經(jīng)濟(jì)理論、交易成本理論、多元化經(jīng)營(yíng)理論和資產(chǎn)組合理論為指導(dǎo),從理論上分析了內(nèi)蒙古W市商業(yè)銀行收入結(jié)構(gòu)及其各組成部分對(duì)盈利能力的影響,得出傳統(tǒng)收入結(jié)構(gòu)嚴(yán)重失衡,非利息收入亟待提高的結(jié)論。然后,為了進(jìn)一步驗(yàn)證以上的分析結(jié)果,本文利用內(nèi)蒙古W市17家商業(yè)銀行的財(cái)務(wù)數(shù)據(jù)建立面板數(shù)據(jù)模型,以實(shí)證分析的方法對(duì)這一問(wèn)題進(jìn)行研究,實(shí)證結(jié)果顯示,凈利息收入、手續(xù)費(fèi)及傭金收入和投資收入都與盈利能力正相關(guān),成本收入比、不良資產(chǎn)減值損失與盈利能力負(fù)相關(guān)。通過(guò)本文的研究發(fā)現(xiàn),凈利息收入仍然是內(nèi)蒙古W市商業(yè)銀行最主要的收入來(lái)源,但是這部分收入已經(jīng)增長(zhǎng)乏力,要想實(shí)現(xiàn)盈利能力持續(xù)增長(zhǎng),必須大力發(fā)展非利息收入業(yè)務(wù);并且,除收入結(jié)構(gòu)外,商業(yè)銀行的經(jīng)營(yíng)成本和不良資產(chǎn)減值損失也會(huì)對(duì)盈利能力造成顯著的不利影響。
[Abstract]:For a long time, the commercial banks in W City of Inner Mongolia have taken the traditional deposit and loan business as the main source of income, relying on the spread of interest rate. But at present, the interest rate marketization has been basically completed in our country. The degree of financial disintermediation is gradually deepening, the bank capital constraints are also increasing, commercial banks are facing the challenge of narrowing the interest margin and intensifying competition. In this context, the development of non-interest income. The income structure transformation has become the consensus of the banking industry. However, the current academic research on the income structure transformation has not reached a consistent conclusion, so. In order to explore the transition of income structure suitable for the banking industry of W City in Inner Mongolia, this paper takes the local commercial banks as a sample to study the influence of its income structure on profitability. It is guided by financial innovation theory, scope economy theory, transaction cost theory, diversification theory and portfolio theory. This paper theoretically analyzes the income structure of commercial banks in W City of Inner Mongolia and its influence on profitability, and draws the conclusion that the traditional income structure is seriously out of balance and the non-interest income needs to be improved urgently. In order to further verify the above analysis results, this paper uses the financial data of 17 commercial banks in Inner Mongolia to establish panel data model, using empirical analysis method to study this problem, empirical results show. Net interest income, commission income, commission income and investment income are all positively correlated with profitability, while cost-income ratio, impairment loss of non-performing assets and profitability are negatively correlated. Net interest income is still the most important source of income for commercial banks in W City of Inner Mongolia, but this part of the income has been weak growth, in order to achieve a sustained growth in profitability, we must vigorously develop non-interest income business; Besides the income structure, commercial banks' operating costs and impairment losses of non-performing assets will also have a significant negative impact on profitability.
【學(xué)位授予單位】：內(nèi)蒙古大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類(lèi)號(hào)】：F832.33;F830.42

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