本文關鍵詞：中間業(yè)務收入結構對商業(yè)銀行經營效率影響的實證研究　出處：《西南政法大學》2012年碩士論文　論文類型：學位論文

  更多相關文章： 中間業(yè)務結構 商業(yè)銀行經營效率 實證研究 解釋分析 對策建議

【摘要】：作為現代商業(yè)銀行三大支柱業(yè)務之一，中間業(yè)務一直受到各商業(yè)銀行的關注。進入二十一世紀以來，國內銀行業(yè)競爭日趨激烈，商業(yè)銀行的相關傳統(tǒng)業(yè)務能貢獻的利潤愈來愈小，而以成本低、風險小、收益高為特征的中間業(yè)務由此成為了一個增強銀行競爭力和利潤的重要途徑，因此大力發(fā)展中間業(yè)務對銀行發(fā)展有重要意義。 問題隨之而來，究竟應該怎樣發(fā)展中間業(yè)務呢？或者說，應該怎樣合理配置相關細分中間業(yè)務的比例，就成為了能夠直接影響商業(yè)銀行經營效率的關鍵問題。咨詢顧問業(yè)務，清算結算業(yè)務，代理業(yè)務，銀行卡業(yè)務及擔保承諾理財業(yè)務等五項中間業(yè)務基本上代表了整個中間業(yè)務的水平，它們的結構比例既反映著商業(yè)銀行中間業(yè)務的發(fā)展，也很大程度上反映著商業(yè)銀行的利潤增長點和未來的發(fā)展?jié)摿Γ蚨槍ξ屙椉毞肿訕I(yè)務的研究，也很有意義。 效率是經濟學的核心命題之一，一般用投入與產出，成本和收益之間的關系來表示。商業(yè)銀行經營狀況的評價指標用效率來表示，能更清晰的了解到影響商業(yè)銀行經營的相關重要影響因素，相比其他數值更準確明了，也更有說服力。 本文緊密結合近幾年來我國的具體宏觀經濟發(fā)展狀況，首先闡明了這一選題的研究背景和意義，以及研究思路和方法，而后總結歸納了國內外關于商業(yè)銀行中間業(yè)務和經營效率理論的文獻資料，并對其做出了簡要的評價。接著，就中間業(yè)務結構對商業(yè)銀行效率的影響作一般的理論分析:中間業(yè)務結構會影響銀行整體的中間業(yè)務收入，銀行中間業(yè)務收入又會影響商業(yè)銀行經營效率。實證研究中選取10家商業(yè)銀行(包括四大商業(yè)銀行和六家其他股份制銀行)2001一2010年的數據，計算出不同商業(yè)銀行的各年效率值，然后以商業(yè)銀行經營效率值為因變量，中間業(yè)務收入結構所包括的五個子項目作為自變量，輔助添加總資產（考慮商業(yè)銀行經營效率可能會受商業(yè)銀行規(guī)模大小，即規(guī)模效應的影響）作為控制變量，通過構建計量模型作回歸分析，并就四大商業(yè)銀行和其他股份制銀行進行了對比分析。實證結果顯示，對于四大行，咨詢顧問業(yè)務收入，代理委托業(yè)務收入，銀行卡業(yè)務收入對商業(yè)銀行經營效率的影響較為顯著；而對于其他中小股份制銀行，五項中間業(yè)務對銀行經營效率的影響均較為顯著。對于所得分析結果，本文分別詳析了不同中間業(yè)務子項目和經營效率的相關關系和對效率的影響程度，并對回歸的結果進行了分析和解釋。 最后，，依據理論分析和實證分析的結果，提出了針對中間業(yè)務結構的調整所帶來的銀行經營效率變動的相應對策建議:第一，優(yōu)化中間業(yè)務收入結構，不斷擴大中間業(yè)務收入在商業(yè)銀行總收入中所占的比例；第二，加大中間業(yè)務投入，及時進行統(tǒng)計分析，以便篩選出能較好增強商業(yè)銀行經營效率的具體中間業(yè)務；第三，加強金融創(chuàng)新，拓展新的中間業(yè)務；第四，創(chuàng)新的同時也要注意控制風險；第五，培養(yǎng)中間業(yè)務需要的相關人才。
[Abstract]:As one of the three pillars of modern commercial banking business, intermediary business of the commercial banks has been the subject of concern. Since twenty-first Century, the domestic banking industry is becoming increasingly fierce, traditional business of commercial banks can contribute to profits more and more small, with low cost, small risk, high return characteristics of the intermediate business has become the an important way to enhance the competitiveness of banks and profits, so developing middle business is of great significance to the development of the bank.
The problem comes, how should the development of intermediate business? Or, how should the rational allocation of relevant segments in the proportion of intermediary business, has become a key issue that can directly affect the operational efficiency of commercial banks. Consulting business, clearing and settlement business, agency business, the bank card business and the financial business secured promises five basic intermediate business on behalf of the intermediate business level, their structure proportionreflects not only the development of intermediate business of commercial banks, but also to a large extent reflects the commercial bank profit growth and future development potential, so for the five small molecular business research, but also very meaningful.
Efficiency is one of the core proposition of economics, generally with input and output, the relationship between costs and benefits to express. The evaluation index of commercial banks operating efficiency that we can have a clearer understanding of the important influence factors related to the operation of commercial banks, compared with other numerical more clear and accurate and convincing.
Combining with the recent years our country specific macroeconomic situation, firstly expounds this topic research background and significance, and research ideas and methods, and then summarized the domestic and foreign on the intermediate business of commercial bank operating efficiency and theory of literature, and made a brief evaluation on it. Then, as a general theoretical analysis on Influence of intermediate business of commercial bank efficiency structure: intermediate business structure will affect the overall bank intermediate business income, bank intermediary business income also affects the efficiency of commercial banks. The empirical research selected 10 commercial banks (including the four major commercial banks and six joint-stock banks) 2001 a 2010 data, calculate the efficiency of different commercial banks, and then as the dependent variable to the efficiency of commercial banks, five items including the structure of the intermediate business income As the auxiliary variable, add total assets (considering the efficiency of commercial banks may be affected by the size of commercial banks, namely the scale effect) as control variables, regression analysis by econometric model, and the four major commercial banks and other joint-stock banks were compared. The empirical results show that for four for consulting business income, business income, principal agent, bank card business revenue impact on the operating efficiency of commercial banks is significant; and for other small and medium-sized joint-stock banks, five intermediate business of banks by the influence of operating efficiency significantly. For the results, this paper analyzes the relationship between intermediate business the project and operating efficiency and impact on efficiency, and the regression results are analyzed and explained.
Finally, based on theoretical analysis and empirical results, we put forward corresponding countermeasures and suggestions brought about in the middle of business structure adjustment of bank operating efficiency changes: first, optimize the structure of intermediate business income, expanding intermediate business income in the total income of the commercial banks in the proportion; second, increase the intermediate business investment statistics timely analysis, so as to select can enhance the specific business efficiency of commercial banks; third, strengthen financial innovation, expand the new intermediate business innovation; fourth, also want to pay attention to risk control; fifth, train talents of intermediate business needs.

【學位授予單位】：西南政法大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：F832.33

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