本文關(guān)鍵詞：基于對商業(yè)銀行盈利性影響的中國信用卡業(yè)務(wù)研究　出處：《復(fù)旦大學(xué)》2012年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 信用卡 盈利 面板數(shù)據(jù) 回歸分析

【摘要】：近年來信用卡產(chǎn)業(yè)在我國快速發(fā)展,信用卡作為一種安全、方便、快捷的支付手段,對我國國民經(jīng)濟(jì)的發(fā)展和人民生活水平的提高起到了巨大的推動作用。目前我國的信用卡市場剛剛起步,無論在盈利規(guī)模、客戶資源還是產(chǎn)品創(chuàng)新上都有重大發(fā)展空間。而且信用卡業(yè)務(wù)對發(fā)展商業(yè)銀行的個人銀行業(yè)務(wù),擴(kuò)大客戶資源以及增加商業(yè)銀行的中間業(yè)務(wù)收入都有重要作用。因此,搶占信用卡市場,增強商業(yè)銀行在信用卡領(lǐng)域的競爭力就成為了近幾年來商業(yè)銀行的一個重要發(fā)展方向和關(guān)注焦點。但是目前我國的信用卡市場利潤空間較小,目前宣布信用卡產(chǎn)品盈利的只有招商銀行、中信銀行、民生銀行少數(shù)幾家商業(yè)銀行,其余商業(yè)銀行幾乎都處于虧損狀態(tài)。信用卡業(yè)務(wù)究竟對商業(yè)銀行的盈利水平有無影響,如果存在影響,又有著什么程度的影響就成為了一個值得研究的問題。 本文正是從這一現(xiàn)狀出發(fā),討論了我國當(dāng)前信用卡市場的主要運營方式,我國信用卡市場的發(fā)展現(xiàn)狀以及信用卡業(yè)務(wù)的盈利模式。本文還建立了關(guān)于信用卡業(yè)務(wù)與商業(yè)銀行盈利水平的函數(shù)模型,結(jié)合了我國10家銀行2006-2010年的信用卡發(fā)行和使用的相關(guān)數(shù)據(jù)以及銀行的財務(wù)指標(biāo),運用最小二乘法對面板數(shù)據(jù)進(jìn)行多元回歸分析。通過實證分析研究得出了信用卡累計發(fā)放數(shù)量、累計交易金額和貸款金額對商業(yè)銀行盈利指標(biāo)ROE的影響。 最后本文結(jié)合回歸分析的結(jié)果,提出我國的信用卡業(yè)務(wù)對商業(yè)銀行存在一定的影響,信用卡累計發(fā)放數(shù)量和累計交易金額對商業(yè)銀行盈利的影響是因銀行而異的,而信用卡貸款金額對商業(yè)銀行的盈利水平存在正的影響,但是目前我國的信用卡業(yè)務(wù)對銀行的盈利水平影響總體上表現(xiàn)并不明顯。最后,本文依據(jù)前文的分析對我國商業(yè)銀行信用卡業(yè)務(wù)未來的發(fā)展提出了一些建議。
[Abstract]:In recent years, the credit card industry has developed rapidly in our country, credit card as a kind of safe, convenient and fast payment means. At present, the credit card market of our country has just started, no matter in the profit scale. Customer resources or product innovation have significant room for development. And credit card business for the development of commercial banks personal banking business. Expanding customer resources and increasing the intermediate business income of commercial banks are important. Therefore, the credit card market is preempted. Enhancing the competitiveness of commercial banks in the field of credit card has become an important direction of development and focus of attention in recent years, but at present, the profit margin of credit card market in China is relatively small. At present, only China Merchants Bank, CITIC Bank and Minsheng Bank are the only commercial banks to announce the profits of credit card products. The other commercial banks are almost in a state of loss. Whether the credit card business has an impact on the profitability of commercial banks, and if so, to what extent, has become a problem worth studying. From this point of view, this paper discusses the main mode of operation of the current credit card market in China. The present situation of the credit card market in China and the profit model of the credit card business. This paper also establishes the function model of the credit card business and the profit level of the commercial bank. Combined with 10 banks in China from 2006 to 2010 credit card issuance and use of relevant data as well as bank financial indicators. Using the least square method to carry on the multivariate regression analysis to the panel data, through the empirical analysis, the author obtains the influence of the credit card cumulative issuance quantity, the cumulative transaction amount and the loan amount on the commercial bank profit index ROE. Finally, combined with the results of regression analysis, the paper points out that the credit card business in China has a certain impact on commercial banks. The effect of credit card amount and transaction amount on commercial bank profit is different from bank, but credit card loan amount has positive influence on commercial bank profit level. However, at present, the impact of credit card business on the profitability of banks is not obvious. Finally, based on the above analysis, this paper puts forward some suggestions for the future development of credit card business of commercial banks in China.
【學(xué)位授予單位】：復(fù)旦大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.2

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本文編號：1433936