本文關(guān)鍵詞：商業(yè)銀行業(yè)務(wù)多元化對(duì)經(jīng)營績效的影響研究　出處：《安徽財(cái)經(jīng)大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 商業(yè)銀行 業(yè)務(wù)多元化 經(jīng)營績效 面板回歸

【摘要】：近年來,受全球金融一體化浪潮的侵襲,現(xiàn)代商業(yè)銀行呈現(xiàn)出業(yè)務(wù)多元化發(fā)展的景象,多元化對(duì)經(jīng)營績效的影響方向及趨勢成為學(xué)界關(guān)注的焦點(diǎn)之一。本文首先分析了銀行業(yè)務(wù)多元化的影響因素并從范圍經(jīng)濟(jì)理論、市場勢力理論等角度闡述了業(yè)務(wù)多元化對(duì)經(jīng)營績效的影響機(jī)制；其次,基于凈利息收入、手續(xù)費(fèi)及傭金收入等變量運(yùn)用赫芬達(dá)爾指數(shù)衡量了銀行業(yè)務(wù)多元化程度,并基于總資產(chǎn)收益率指標(biāo)衡量了銀行經(jīng)營績效,同時(shí)比較分析了不同類型銀行業(yè)務(wù)多元化的變動(dòng)趨勢,并對(duì)多元化與經(jīng)營績效的關(guān)系進(jìn)行描述性統(tǒng)計(jì)分析,分析顯示所有樣本銀行的業(yè)務(wù)多元化水平均較低,這與國內(nèi)金融監(jiān)管較嚴(yán)、銀行業(yè)務(wù)結(jié)構(gòu)不合理等因素有關(guān)；在此基礎(chǔ)上以16家商業(yè)銀行2006-2012年的財(cái)務(wù)數(shù)據(jù)為樣本,運(yùn)用面板回歸分析進(jìn)行實(shí)證研究。研究發(fā)現(xiàn),所有樣本銀行的業(yè)務(wù)多元化對(duì)經(jīng)營績效產(chǎn)生積極影響,但影響系數(shù)不高；國有銀行和股份制銀行的業(yè)務(wù)多元化均對(duì)績效產(chǎn)生正向影響,但股份制銀行多元化的影響系數(shù)相對(duì)較小,主要原因包括股份制銀行多元化業(yè)務(wù)的成本相對(duì)較高,其在資金實(shí)力、業(yè)務(wù)創(chuàng)新等方面的競爭優(yōu)勢相比國有銀行稍弱；業(yè)務(wù)多元化程度高的銀行其對(duì)經(jīng)營績效的影響更大；股份制銀行的業(yè)務(wù)多元化與經(jīng)營風(fēng)險(xiǎn)呈較弱正相關(guān),說明股份制銀行的多元化增加了盈利的波動(dòng)性從而不利于績效的提升。最后,從監(jiān)管者與銀行自身兩方面提出了完善監(jiān)管政策、促進(jìn)多元化發(fā)展,優(yōu)化業(yè)務(wù)結(jié)構(gòu)、推動(dòng)差異化發(fā)展,加強(qiáng)成本管理、提高銀行績效和強(qiáng)化風(fēng)險(xiǎn)管控、降低多元化風(fēng)險(xiǎn)等政策建議,為商業(yè)銀行今后實(shí)施業(yè)務(wù)多元化以促進(jìn)銀行績效的提升提供一定的思路。
[Abstract]:In recent years, the tide of global financial integration of the invasion, the modern commercial bank showing a diversified business development scene, impact on the performance of the direction and trend of diversification becomes one of the focus of attention. This paper analyzes the influence factors of bank business diversification and range from economic theory perspective, market power theory explains the influence mechanism business diversification on business performance; secondly, based on the net interest income, fee and commission income and other variables using the Beh Finn Dahl index of banking business diversification, and based on the total assets yield indicators to measure the performance of banks, and comparative analysis of the change trend of different types of Bank business diversification, and the relationship between diversification and performance the descriptive statistical analysis, analysis showed that all of the sample banks business diversification level was low, and the The domestic financial regulation more stringent, the banking structure is not reasonable; on the basis of the 2006-2012 financial data of 16 commercial banks as a sample, using panel regression analysis for empirical research. The study found that all samples of the bank's business diversification has a positive impact on business performance, but the influence coefficient is not high; the state-owned banks and the joint-stock bank business diversification has positive effect on performance, but the influence coefficient of diversified joint-stock banks is relatively small, the main reasons include joint-stock banks diversified business cost is relatively high, its financial strength, business innovation and competitive advantage compared to the state-owned bank.; a high degree of business diversification and its impact on the business bank the performance of the larger; joint-stock banks, business diversification and business risk had a weak positive correlation, indicating the diversification of joint-stock banks Increase the volatility of earnings which is not conducive to the promotion of performance. Finally, from regulators and banks in two aspects are put forward to improve the supervision policy, promote diversified development, optimize business structure, promote the development of differentiation, strengthen cost management, improve bank performance and strengthen risk control, reduce the risk diversification policy recommendations for commercial banks in order to promote the future implementation of business diversification, improve bank performance to provide a line of thought.

【學(xué)位授予單位】：安徽財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.33

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 姜付秀;劉志彪;陸正飛;;多元化經(jīng)營、企業(yè)價(jià)值與收益波動(dòng)研究——以中國上市公司為例的實(shí)證研究[J];財(cái)經(jīng)問題研究;2006年11期

2 張鐵鑄;貸款多元化與商業(yè)銀行經(jīng)營狀況的實(shí)證研究——基于上市銀行經(jīng)營風(fēng)險(xiǎn)和收益的研究[J];財(cái)經(jīng)研究;2004年07期

3 朱建武;李華晶;;我國中小商業(yè)銀行多元化經(jīng)營的效應(yīng)分析[J];金融論壇;2007年01期

4 王菁;周好文;;非利息收入負(fù)向收益貢獻(xiàn)度的實(shí)證解析——基于我國12家商業(yè)銀行的模型檢驗(yàn)[J];當(dāng)代經(jīng)濟(jì)研究;2008年11期

5 王聰,鄒朋飛;中國商業(yè)銀行規(guī)模經(jīng)濟(jì)與范圍經(jīng)濟(jì)的實(shí)證分析[J];中國工業(yè)經(jīng)濟(jì);2003年10期

6 范香梅;邱兆祥;張曉云;;我國中小銀行地域多元化風(fēng)險(xiǎn)與收益的實(shí)證分析[J];管理世界;2010年10期

7 劉孟飛;張曉嵐;張超;;我國商業(yè)銀行業(yè)務(wù)多元化、經(jīng)營績效與風(fēng)險(xiǎn)相關(guān)性研究[J];國際金融研究;2012年08期

8 劉明彥;;銀行業(yè)收入結(jié)構(gòu):美國、德國和中國的一項(xiàng)比較研究[J];財(cái)貿(mào)經(jīng)濟(jì);2012年05期

9 房紅;;非利息收入對(duì)商業(yè)銀行經(jīng)營績效的影響——以招商銀行為例[J];河北經(jīng)貿(mào)大學(xué)學(xué)報(bào);2012年04期

10 閆彥明;中國商業(yè)銀行業(yè)多元化經(jīng)營績效分析[J];上海經(jīng)濟(jì)研究;2005年10期

，

本文編號(hào)：1373410