本文選題：商業(yè)銀行 + FTP　； 參考：《復(fù)旦大學(xué)》2012年碩士論文

【摘要】：近年來,國內(nèi)商業(yè)銀行先后上線FTP定價(jià)管理體系。目前,國內(nèi)對FTP的研究主要集中于推進(jìn)、實(shí)施領(lǐng)域,具體包括如何為商業(yè)銀行實(shí)施FTP體系奠定外部基礎(chǔ),如何選擇合適的FTP體系管理模式,以及如何將FTP運(yùn)用于商業(yè)銀行的日常管理、提升商業(yè)銀行經(jīng)營業(yè)績。但就FTP體系上線對商業(yè)銀行行為策略和經(jīng)營績效影響的研究較為罕見。部分文獻(xiàn)雖然以銀行規(guī)模和盈利增長為依據(jù)證明FTP體系對商業(yè)銀行的促進(jìn)作用,但并沒有用嚴(yán)密的邏輯證明FTP體系是商業(yè)銀行規(guī)模和盈利擴(kuò)大的主要原因,更缺乏實(shí)證支持。 本文在整理、匯總FTP管理體系運(yùn)作機(jī)制、定價(jià)方法等概念的基礎(chǔ)上,以理論分析形式闡述FTP對商業(yè)銀行經(jīng)營管理、經(jīng)營業(yè)績的影響；之后運(yùn)用DEA等方法,從經(jīng)營效率、業(yè)務(wù)規(guī)模、業(yè)務(wù)結(jié)構(gòu)、效益四個(gè)維度出發(fā),實(shí)證研究、評估FTP管理體系對商業(yè)銀行的作用,創(chuàng)新評價(jià)FTP對商業(yè)銀行影響的新方法,并最終得出結(jié)論如下： (1)FTP管理體系能有效提升商業(yè)銀行純技術(shù)效率,即經(jīng)營管理技術(shù)水平。但經(jīng)營效率高低同時(shí)還取決于規(guī)模效率是否有效。 (2)在絕大多數(shù)情況下,FTP管理體系能有效釋放商業(yè)銀行分支機(jī)構(gòu)業(yè)務(wù)拓展活力,促進(jìn)各分支機(jī)構(gòu)業(yè)務(wù)規(guī)模增長,從而推動商業(yè)銀行業(yè)務(wù)規(guī)模整體擴(kuò)張。 (3)在擁有市場選擇權(quán)的情況下,商業(yè)銀行分支機(jī)構(gòu)業(yè)務(wù)結(jié)構(gòu)調(diào)整遵循價(jià)格導(dǎo)向。實(shí)施FTP管理體系后,FTP所體現(xiàn)出的價(jià)格導(dǎo)向成為決定分支機(jī)構(gòu)業(yè)務(wù)增量結(jié)構(gòu)的主要因素。 (4)在市場信貸需求始終存在的情況下,FTP是否能對商業(yè)銀行利潤形成推動作用,主要取決于總行司庫的定價(jià)能力和資金運(yùn)作部門的資金運(yùn)作能力。
[Abstract]:In recent years, domestic commercial banks have been online FTP pricing management system. At present, the domestic research on FTP is mainly focused on the promotion and implementation fields, including how to lay the external foundation for commercial banks to implement the FTP system, how to choose the appropriate management mode of FTP system. And how to apply FTP to the daily management of commercial banks to improve the business performance of commercial banks. However, it is rare to study the effect of FTP system on commercial banks' behavior strategy and business performance. Although some documents based on the scale and profit growth of banks prove the promotion of FTP system to commercial banks, they do not use strict logic to prove that the FTP system is the main reason for the scale and profit expansion of commercial banks, and lack of empirical support. On the basis of sorting out and summarizing the concepts of FTP management system operation mechanism and pricing method, this paper expounds the influence of FTP on the management and performance of commercial banks in the form of theoretical analysis, and then applies DEA and other methods to analyze the operation efficiency. Starting from the four dimensions of business scale, business structure and efficiency, this paper evaluates the effect of FTP management system on commercial banks, innovates the new method of evaluating the impact of FTP on commercial banks, and finally comes to the following conclusions: FTP management system can effectively improve the pure technical efficiency of commercial banks, that is, management technology level. But the operating efficiency also depends on whether the scale efficiency is effective or not. In most cases, FTP management system can effectively release the vitality of commercial bank branch business expansion, promote the growth of each branch business scale, and promote the overall expansion of commercial bank business scale. In the case of market option, the business structure adjustment of commercial bank branches follows price orientation. After the implementation of FTP management system, the price orientation of FTP becomes the main factor to determine the incremental structure of branch business. 4) whether FTP can promote the profits of commercial banks depends mainly on the pricing ability of the treasurer of the head office and the capital operation ability of the capital operation department under the condition that the market credit demand always exists.
【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】：F832.33

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