發(fā)布時(shí)間：2018-07-14 18:58

【摘要】：隨著金融自由化和金融管制的放松，世界經(jīng)濟(jì)全球化愈演愈烈，金融市場(chǎng)競(jìng)爭日趨激烈，商業(yè)銀行存貸利差日益縮小，生存壓力越來越大，單純依靠利息收入已經(jīng)滿足不了商業(yè)銀行的發(fā)展以及對(duì)利潤的追求，因此西方國家的商業(yè)銀行逐漸發(fā)展多元化經(jīng)營，將它們的經(jīng)營重點(diǎn)轉(zhuǎn)向了新型的非利息業(yè)務(wù)。那么可以說，從二十世紀(jì)七八十年代至今，非利息業(yè)務(wù)在西方銀行業(yè)得到了平穩(wěn)較快發(fā)展，大力帶動(dòng)了業(yè)務(wù)轉(zhuǎn)型。 而一直以來，我國商業(yè)銀行的利潤來源都是傳統(tǒng)的通過存貸業(yè)務(wù)獲取的利差收入，非利息業(yè)務(wù)開展的很少并且在營業(yè)收入中所占比重也是非常之低。但是中國商業(yè)銀行在“金融脫媒”以及利差縮小的沖擊之下也逐漸進(jìn)行業(yè)務(wù)轉(zhuǎn)型，慢慢走上了發(fā)展非利息收入的道路。那么，，非利息收入的發(fā)展對(duì)中國商業(yè)銀行經(jīng)營績效到底有怎樣的作用呢？這就是本文即將討論的問題。 本篇論文的一開始便闡述了非利息收入的概念、明晰了非利息收入的界定，接著又總結(jié)了其特征、風(fēng)險(xiǎn)并明確了發(fā)展非利息收入的必要性；接著又從非利息收入的發(fā)展歷程、現(xiàn)狀、以及制約因素等幾個(gè)方面描述了非利息收入的發(fā)展?fàn)顩r。在實(shí)證研究部分，本文選取了10家上市商業(yè)銀行2001年到2010年的財(cái)務(wù)數(shù)據(jù)為樣本，利用面板數(shù)據(jù)模型中的固定效應(yīng)模型對(duì)商業(yè)銀行非利息收入對(duì)銀行經(jīng)營績效的影響做了回歸分析。結(jié)果顯示，中國商業(yè)銀行非利息收入對(duì)經(jīng)營績效會(huì)產(chǎn)生正的影響。在論文的第五部分，對(duì)實(shí)證的結(jié)論做了更深入的分析，接著又提出了幾點(diǎn)可行性的意見和建議來促進(jìn)中國商業(yè)銀行非利息收入的良好發(fā)展。
[Abstract]:With the financial liberalization and relaxation of financial regulation, the globalization of the world economy is becoming more and more intense, the competition in the financial market is becoming increasingly fierce, the difference between deposit and loan interest rate of commercial banks is shrinking day by day, and the pressure of survival is increasing. Relying on interest income alone can not satisfy the development of commercial banks and the pursuit of profits, so commercial banks in western countries have gradually developed diversified operations and turned their business emphasis to new types of non-interest business. So it can be said that since 1970s and 1980s, non-interest business has developed steadily and rapidly in the western banking industry, which has greatly promoted the business transformation. But all along, the profit source of commercial banks in our country is the traditional interest income obtained through deposit and loan business, and the non-interest business carries out very little and accounts for a very low proportion of the operating income. However, under the impact of "financial disintermediation" and the narrowing of interest rate, Chinese commercial banks have gradually carried out business transformation and gradually embarked on the path of developing non-interest income. So, what effect does the development of non-interest income have on the performance of Chinese commercial banks? This is the question that this article will discuss. At the beginning of this paper, the concept of non-interest income is expounded, the definition of non-interest income is clarified, then the characteristics of non-interest income are summarized, the risk and the necessity of developing non-interest income are defined, and then the development course of non-interest income is discussed. The development of non-interest income is described in several aspects, such as current situation and restrictive factors. In the part of empirical research, the financial data of 10 listed commercial banks from 2001 to 2010 are selected as samples. The fixed effect model of panel data model is used to analyze the effect of non-interest income on the performance of commercial banks. The results show that the non-interest income of Chinese commercial banks will have a positive impact on business performance. In the fifth part of the paper, the conclusion of empirical analysis is further analyzed, and then some feasible suggestions are put forward to promote the good development of non-interest income of Chinese commercial banks.
【學(xué)位授予單位】：遼寧大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.2

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本文編號(hào)：2122646