【摘要】：經(jīng)過多年的努力之后,我國終于以央行宣布放開存款利率浮動上限為結束點實現(xiàn)了利率市場化改革的完美收官。這項改革不僅成為了我國銀行業(yè)的一個機遇,更是一次不可避免的巨大挑戰(zhàn)。尤其是對于中小型商業(yè)銀行,因為它們基礎較為薄弱,較國有銀行有先天劣勢,因此在這次改革的浪潮中它們將如何應對引起業(yè)界的普遍關注。首先,本文以對當前市場條件下我國中小商業(yè)銀行盈利模式現(xiàn)狀的分析為基礎,歸納并總結出了現(xiàn)有盈利模式的不足,包括收入來源過于依賴利差收入、中間業(yè)務偏重傳統(tǒng)業(yè)務、業(yè)務創(chuàng)新能力不足、客戶基礎薄弱等。隨后,通過實證研究的方法對利率市場化改革推動了銀行盈利模式的轉型這一觀點進行了驗證,接著,實證二在實證一結論的基礎上,進一步分析利息凈收入和非利息收入對銀行盈利推動作用的大小,并得出結論：對于我國的中小銀行來說,利息凈收入和非利息收入都會對其盈利產(chǎn)生一定的帶動作用,但就目前而言,利息凈收入的作用顯然要更大一些。最后,通過這兩次實證得出的結論以及前面總結出的現(xiàn)階段盈利模式中存在的問題,對中小商業(yè)銀行盈利模式轉型提出相應的對策建議。
[Abstract]:After years of hard work, the central bank finally announced the release of the floating upper limit of deposit interest rate as the end point to realize the perfect end of interest rate marketization reform. This reform has not only become an opportunity for China's banking industry, but also an inevitable huge challenge. Especially for the small and medium-sized commercial banks, because their foundation is relatively weak, compared with the state-owned banks, they have innate disadvantages, so in this wave of reform, how to deal with them will cause widespread concern in the industry. First of all, based on the analysis of the current situation of the profit models of small and medium-sized commercial banks in China under the current market conditions, this paper summarizes the shortcomings of the existing profit models, including the income sources relying too much on interest income. Intermediary business emphasizes traditional business, business innovation ability is insufficient, customer base is weak and so on. Then, the thesis verifies the view that the reform of interest rate marketization promotes the transformation of bank profit model through the method of empirical research. Then, the second empirical study is based on the empirical conclusion. This paper further analyzes the effect of net interest income and non-interest income on bank profitability, and concludes that both net interest income and non-interest income will have a certain driving effect on the profit of small and medium-sized banks in China. But for now, net interest income is clearly more important. Finally, through these two empirical conclusions and the existing problems in the current profit model, the paper puts forward the corresponding countermeasures and suggestions for the transformation of the profit model of small and medium-sized commercial banks.
【學位授予單位】：內蒙古大學
【學位級別】：碩士
【學位授予年份】：2016
【分類號】：F832.33;F830.42

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