本文關(guān)鍵詞：中間業(yè)務(wù)收入結(jié)構(gòu)對(duì)商業(yè)銀行經(jīng)營(yíng)效率影響的實(shí)證研究　出處：《西南政法大學(xué)》2012年碩士論文　論文類型：學(xué)位論文

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【摘要】：作為現(xiàn)代商業(yè)銀行三大支柱業(yè)務(wù)之一，中間業(yè)務(wù)一直受到各商業(yè)銀行的關(guān)注。進(jìn)入二十一世紀(jì)以來，國(guó)內(nèi)銀行業(yè)競(jìng)爭(zhēng)日趨激烈，商業(yè)銀行的相關(guān)傳統(tǒng)業(yè)務(wù)能貢獻(xiàn)的利潤(rùn)愈來愈小，而以成本低、風(fēng)險(xiǎn)小、收益高為特征的中間業(yè)務(wù)由此成為了一個(gè)增強(qiáng)銀行競(jìng)爭(zhēng)力和利潤(rùn)的重要途徑，因此大力發(fā)展中間業(yè)務(wù)對(duì)銀行發(fā)展有重要意義。 問題隨之而來，究竟應(yīng)該怎樣發(fā)展中間業(yè)務(wù)呢？或者說，應(yīng)該怎樣合理配置相關(guān)細(xì)分中間業(yè)務(wù)的比例，就成為了能夠直接影響商業(yè)銀行經(jīng)營(yíng)效率的關(guān)鍵問題。咨詢顧問業(yè)務(wù)，清算結(jié)算業(yè)務(wù)，代理業(yè)務(wù)，銀行卡業(yè)務(wù)及擔(dān)保承諾理財(cái)業(yè)務(wù)等五項(xiàng)中間業(yè)務(wù)基本上代表了整個(gè)中間業(yè)務(wù)的水平，它們的結(jié)構(gòu)比例既反映著商業(yè)銀行中間業(yè)務(wù)的發(fā)展，也很大程度上反映著商業(yè)銀行的利潤(rùn)增長(zhǎng)點(diǎn)和未來的發(fā)展?jié)摿�，因而針�?duì)五項(xiàng)細(xì)分子業(yè)務(wù)的研究，也很有意義。 效率是經(jīng)濟(jì)學(xué)的核心命題之一，一般用投入與產(chǎn)出，成本和收益之間的關(guān)系來表示。商業(yè)銀行經(jīng)營(yíng)狀況的評(píng)價(jià)指標(biāo)用效率來表示，能更清晰的了解到影響商業(yè)銀行經(jīng)營(yíng)的相關(guān)重要影響因素，相比其他數(shù)值更準(zhǔn)確明了，也更有說服力。 本文緊密結(jié)合近幾年來我國(guó)的具體宏觀經(jīng)濟(jì)發(fā)展?fàn)顩r，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(jié)歸納了國(guó)內(nèi)外關(guān)于商業(yè)銀行中間業(yè)務(wù)和經(jīng)營(yíng)效率理論的文獻(xiàn)資料，并對(duì)其做出了簡(jiǎn)要的評(píng)價(jià)。接著，就中間業(yè)務(wù)結(jié)構(gòu)對(duì)商業(yè)銀行效率的影響作一般的理論分析:中間業(yè)務(wù)結(jié)構(gòu)會(huì)影響銀行整體的中間業(yè)務(wù)收入，銀行中間業(yè)務(wù)收入又會(huì)影響商業(yè)銀行經(jīng)營(yíng)效率。實(shí)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(shù)據(jù)，計(jì)算出不同商業(yè)銀行的各年效率值，然后以商業(yè)銀行經(jīng)營(yíng)效率值為因變量，中間業(yè)務(wù)收入結(jié)構(gòu)所包括的五個(gè)子項(xiàng)目作為自變量，輔助添加總資產(chǎn)（考慮商業(yè)銀行經(jīng)營(yíng)效率可能會(huì)受商業(yè)銀行規(guī)模大小，即規(guī)模效應(yīng)的影響）作為控制變量，通過構(gòu)建計(jì)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(jìn)行了對(duì)比分析。實(shí)證結(jié)果顯示，對(duì)于四大行，咨詢顧問業(yè)務(wù)收入，代理委托業(yè)務(wù)收入，銀行卡業(yè)務(wù)收入對(duì)商業(yè)銀行經(jīng)營(yíng)效率的影響較為顯著；而對(duì)于其他中小股份制銀行，五項(xiàng)中間業(yè)務(wù)對(duì)銀行經(jīng)營(yíng)效率的影響均較為顯著。對(duì)于所得分析結(jié)果，本文分別詳析了不同中間業(yè)務(wù)子項(xiàng)目和經(jīng)營(yíng)效率的相關(guān)關(guān)系和對(duì)效率的影響程度，并對(duì)回歸的結(jié)果進(jìn)行了分析和解釋。 最后，，依據(jù)理論分析和實(shí)證分析的結(jié)果，提出了針對(duì)中間業(yè)務(wù)結(jié)構(gòu)的調(diào)整所帶來的銀行經(jīng)營(yíng)效率變動(dòng)的相應(yīng)對(duì)策建議:第一，優(yōu)化中間業(yè)務(wù)收入結(jié)構(gòu)，不斷擴(kuò)大中間業(yè)務(wù)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(wù)投入，及時(shí)進(jìn)行統(tǒng)計(jì)分析，以便篩選出能較好增強(qiáng)商業(yè)銀行經(jīng)營(yíng)效率的具體中間業(yè)務(wù)；第三，加強(qiáng)金融創(chuàng)新，拓展新的中間業(yè)務(wù)；第四，創(chuàng)新的同時(shí)也要注意控制風(fēng)險(xiǎn)；第五，培養(yǎng)中間業(yè)務(wù)需要的相關(guān)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(xué)位授予單位】：西南政法大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.33

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