發(fā)布時間：2018-03-06 11:51

  本文選題：非利息收入　切入點：手續(xù)費及傭金收入　出處：《南京財經(jīng)大學(xué)》2012年碩士論文　論文類型：學(xué)位論文

【摘要】：2008年，為應(yīng)對金融危機，我國曾提出適度寬松的貨幣政策，適度放開信貸規(guī)模管制，防止國民經(jīng)濟出現(xiàn)大幅度下滑趨勢。但是，信貸激增的背后很可能積聚著銀行不良貸款風(fēng)險，這樣使以信貸業(yè)務(wù)為主的商業(yè)銀行面臨巨大的壓力和挑戰(zhàn)；同時，巴塞爾協(xié)議Ⅲ以及我國在“十二五”規(guī)劃中都對銀行資本提出新的監(jiān)管要求。在這樣的雙重壓力下，商業(yè)銀行為尋求發(fā)展出路，紛紛加強對非利息業(yè)務(wù)發(fā)展的重視。但是，非利息收入是否有利于提高商業(yè)銀行的績效，是值得進一步研究的問題。 本文從金融創(chuàng)新理論、范圍經(jīng)濟理論以及風(fēng)險管理理論對商業(yè)銀行發(fā)展非利息收入的動因進行理論解釋。從文化環(huán)境、法律環(huán)境以及市場供需環(huán)境三個方面分析了有利于非利息業(yè)務(wù)發(fā)展的環(huán)境，并對2000年—2010年我國商業(yè)銀行（4家大型商業(yè)銀行、10家中小型商業(yè)銀行）非利息業(yè)務(wù)的發(fā)展現(xiàn)狀進行詳細分析，，得出我國非利息業(yè)務(wù)占營業(yè)收入的比重并不高，但得到飛速發(fā)展，手續(xù)費及傭金收入是非利息收入的主要組成部分，而代理業(yè)務(wù)、結(jié)算與清算業(yè)務(wù)、銀行卡業(yè)務(wù)、顧問與咨詢業(yè)務(wù)是手續(xù)費及傭金收入的重要構(gòu)成。 實證研究部分，選用2000年—2010年14家商業(yè)銀行作為研究樣本，建立面板計量經(jīng)濟模型，考察商業(yè)銀行非利息收入與銀行績效之間的關(guān)系，以資產(chǎn)收益率（ROA）作為因變量，非利息收入占營業(yè)收入的比重為自變量，同時加入資本充足率和國內(nèi)生產(chǎn)總值作為控制變量進行回歸分析，并將非利息收入細分為手續(xù)費及傭金收入與其他業(yè)務(wù)收入進一步研究對銀行績效的影響�；貧w結(jié)果顯示，非利息收入份額與資產(chǎn)收益率（ROA）存在不顯著的負向關(guān)系，手續(xù)費和傭金收入份額與資產(chǎn)收益率（ROA）為顯著的正相關(guān)關(guān)系，而其他業(yè)務(wù)收入份額卻與資產(chǎn)收益率（ROA）是顯著的負相關(guān)關(guān)系。本文從法規(guī)制度的限制、營業(yè)費用以及收入波動性角度給出了原因解釋，并提出商業(yè)銀行要突破現(xiàn)有法規(guī)制度障礙、提高對非利息業(yè)務(wù)的重視程度、多樣化非利息業(yè)務(wù)品種、加強非利息業(yè)務(wù)員工的綜合素質(zhì)措施以此促進非利息業(yè)務(wù)發(fā)展。
[Abstract]:In 2008, in response to the financial crisis, China proposed a moderately loose monetary policy, moderately liberalizing credit scale controls, and preventing the national economy from showing a large downward trend. The credit surge is likely to accumulate the risk of non-performing loans from banks, which makes commercial banks, which are mainly engaged in credit, face enormous pressure and challenges; at the same time, Basel III and our country put forward new supervision requirements on bank capital in the 12th Five-Year Plan. Under such double pressure, commercial banks pay more attention to the development of non-interest business in order to find a way out. Whether the non-interest income is conducive to improving the performance of commercial banks is a question worthy of further study. This paper theoretically explains the motivation of commercial banks to develop non-interest income from the financial innovation theory, the scope economy theory and the risk management theory. The legal environment and the market supply and demand environment are analyzed in three aspects, which are conducive to the development of non-interest business. From 2000 to 2010, the paper analyzes in detail the development of non-interest business in 4 large commercial banks and 10 small and medium-sized commercial banks in China from 2000 to 2010. The results show that the proportion of non-interest business in operating income is not high in our country, but it has been developed rapidly. Fees and commission income is not a major component of interest income, while agency business, settlement and clearing business, bank card business, advisory and advisory services are important components of commission and commission income. In the empirical research part, 14 commercial banks are selected as the sample from 2000 to 2010 to establish the panel econometric model to investigate the relationship between non-interest income and bank performance. The proportion of non-interest income to operating income is an independent variable, and the capital adequacy ratio and GDP are added as control variables for regression analysis. The non-interest income is subdivided into commission and commission income and other business income. The regression results show that there is no significant negative relationship between the share of non-interest income and the return on assets. There is a significant positive correlation between fee and commission income share and asset return rate, while other business income share has a significant negative correlation with asset return rate. The reasons are explained from the angle of operating expenses and income volatility, and commercial banks should break through the existing legal system barriers, increase the importance of non-interest business, and diversify the variety of non-interest business. Strengthen the non-interest business staff comprehensive quality measures to promote the development of non-interest business.
【學(xué)位授予單位】：南京財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.2;F224

【引證文獻】

相關(guān)碩士學(xué)位論文 前1條

1 王丹;我國銀行市場結(jié)構(gòu)與績效關(guān)系的實證研究[D];中南林業(yè)科技大學(xué);2013年

本文編號：1574734