我國上市商業(yè)銀行績效與中間業(yè)務(wù)收入結(jié)構(gòu)的實(shí)證研究
發(fā)布時間：2018-08-03 18:34
【摘要】：伴隨經(jīng)濟(jì)全球化的不斷深入發(fā)展，各國在金融上的來往越來越頻繁，跨國企業(yè)、跨國投資更是屢見不鮮，這就對商業(yè)銀行的發(fā)展方向提出了新要求。一方面美國次貸危機(jī)爆發(fā)以來，我國商業(yè)銀行傳統(tǒng)的資產(chǎn)、負(fù)債業(yè)務(wù)受到很大影響，另一方面2014年互聯(lián)網(wǎng)金融發(fā)展速度迅猛、利率市場化的進(jìn)程加速推進(jìn)、民營商業(yè)銀行的加入以及我國現(xiàn)在宏觀經(jīng)濟(jì)運(yùn)行正處于增長速度換擋期、結(jié)構(gòu)調(diào)整陣痛期、前期刺激政策消化期階段，“三期”疊加壓力等諸多宏微觀現(xiàn)狀都在挑戰(zhàn)著我國商業(yè)銀行資產(chǎn)負(fù)債業(yè)務(wù)的霸主地位，使得我國商業(yè)銀行主要依靠存貸利差收入這種盈利模式必須改變，通過調(diào)整收入結(jié)構(gòu)、拓寬收入渠道來打破同質(zhì)化競爭僵局、加快培育業(yè)務(wù)特色、尋找新的利潤增長點(diǎn)，那么根據(jù)國外一些商業(yè)銀行發(fā)展的成功經(jīng)驗(yàn)，大力發(fā)展中間業(yè)務(wù)、加大對中間業(yè)務(wù)的重視就成為我國商業(yè)銀行一條有效可行的應(yīng)對手段。 我國商業(yè)銀行中間業(yè)務(wù)憑借著產(chǎn)品種類豐富、極少占用銀行資金、高收益低風(fēng)險等優(yōu)點(diǎn)發(fā)展速度非�？�，規(guī)模不斷擴(kuò)大，在營業(yè)收入中的比重也在提高，，但是同時我們也要關(guān)注商業(yè)銀行中間業(yè)務(wù)的結(jié)構(gòu)是否合理以及和經(jīng)營績效的關(guān)系。所以，本文首先介紹了關(guān)于商業(yè)銀行中間業(yè)務(wù)和經(jīng)營績效的一些基本概念以及中間業(yè)務(wù)和績效評價在我國商業(yè)銀行發(fā)展的現(xiàn)實(shí)狀況；然后以我國上市商業(yè)銀行為研究對象，根據(jù)年報整理了2006至2013八年中間業(yè)務(wù)收入結(jié)構(gòu)以及凈資產(chǎn)收益率的數(shù)據(jù)，其中在統(tǒng)計(jì)分析中分別從中間業(yè)務(wù)收入各類業(yè)務(wù)隨時間變化趨勢、我國兩類商業(yè)銀行中間業(yè)務(wù)收入結(jié)構(gòu)分析這兩個維度進(jìn)行了橫向縱向分析，在實(shí)證分析中以面板數(shù)據(jù)為基礎(chǔ)，構(gòu)建了商業(yè)銀行中間業(yè)務(wù)收入結(jié)構(gòu)與績效的計(jì)量模型來分析他們之間的關(guān)系；最后根據(jù)現(xiàn)實(shí)情況從宏觀和微觀兩個角度出發(fā)提出可行性建議。本文的研究結(jié)果為對于大型商業(yè)銀行來說，顧問咨詢業(yè)務(wù)、擔(dān)保承諾業(yè)務(wù)、托管及其他受托業(yè)務(wù)對經(jīng)營績效有非常顯著的影響，而對于中小型商業(yè)銀行而言，顧問咨詢業(yè)務(wù)、托管及其他受托業(yè)務(wù)對經(jīng)營績效影響顯著。 本文的創(chuàng)新點(diǎn)在于以前有很多學(xué)者研究中間業(yè)務(wù)，而很少涉及到中間業(yè)務(wù)收入結(jié)構(gòu)，所以本文將中間業(yè)務(wù)細(xì)分為銀行卡業(yè)務(wù)、代理委托業(yè)務(wù)、托管及其他受托業(yè)務(wù)、清算結(jié)算業(yè)務(wù)、擔(dān)保承諾業(yè)務(wù)以及顧問咨詢業(yè)務(wù)六項(xiàng)子業(yè)務(wù)來研究中間業(yè)務(wù)收入結(jié)構(gòu)；另一個創(chuàng)新點(diǎn)是出于對我國商業(yè)銀行中間業(yè)務(wù)的規(guī)模大小相差很大、發(fā)展速度快慢不一以及各個銀行資產(chǎn)狀況等現(xiàn)狀的考慮，將我國商業(yè)銀行分成大型和中小型兩類分別進(jìn)行統(tǒng)計(jì)研究與實(shí)證研究。
[Abstract]:With the deepening development of economic globalization, more and more countries in the financial exchanges, multinational enterprises, transnational investment is common, which put forward new requirements for the development of commercial banks. On the one hand, since the outbreak of the subprime mortgage crisis in the United States, the traditional assets and liabilities of commercial banks in China have been greatly affected. On the other hand, Internet finance has developed rapidly in 2014, and the process of marketization of interest rates has been accelerated. The entry of private commercial banks and the macro-economic operation of our country are now in the period of shift of growth rate, painful period of structural adjustment, and period of digestion of early stimulus policies. Many macro and micro situations, such as "three periods" superposition pressure, are challenging the dominant position of China's commercial banks in their asset-liability business, which makes commercial banks in our country mainly rely on the profit model of deposit and loan interest margin, which must be changed by adjusting the income structure. Broaden revenue channels to break the homogenous competition deadlock, speed up the cultivation of business characteristics, and look for new profit growth points. Well, according to the successful development experience of some foreign commercial banks, we should vigorously develop intermediate business. To pay more attention to intermediary business has become an effective and feasible means for Chinese commercial banks. The intermediary business of commercial banks in our country is developing very fast and expanding with the advantages of rich product types, rarely occupying bank funds, high income and low risk, and the proportion of business income is also increasing. But at the same time, we should also pay attention to whether the structure of commercial bank intermediary business is reasonable and the relationship between business performance and business performance. Therefore, this paper first introduces some basic concepts of intermediate business and performance of commercial banks and the development of intermediary business and performance evaluation in China's commercial banks, and then takes listed commercial banks in China as the research object. According to the annual report, we collate the data of the income structure of intermediate business and the rate of return on net assets in 2006 to 2013 years. In the statistical analysis, we analyze the trend of various types of business income from intermediate business over time. The two dimensions of income structure analysis of intermediate business of two kinds of commercial banks in China are analyzed horizontally and vertically, which are based on panel data in the empirical analysis. This paper constructs the measurement model of the income structure and performance of the intermediate business of commercial banks to analyze the relationship between them. Finally, according to the actual situation, it puts forward some feasible suggestions from the macro and micro perspectives. The results show that for large commercial banks, consulting business, guarantee commitment business, trusteeship and other fiduciary business have a very significant impact on business performance, while for small and medium-sized commercial banks, consultancy consulting business, Trusteeship and other fiduciary businesses have a significant impact on business performance. The innovation of this paper lies in the fact that many scholars studied intermediary business before, but seldom involved in the income structure of intermediate business, so this paper subdivides intermediary business into bank card business, agency business, trusteeship business and other fiduciary business. Clearing and settlement business, guarantee undertaking business and consulting business are six sub-businesses to study the income structure of intermediate business. Another innovation is that the scale of intermediary business of commercial banks in China varies greatly. Considering the different speed of development and the current situation of each bank, the commercial banks of our country are divided into two categories: large and medium scale, and the statistical research and empirical research are carried out respectively.
【學(xué)位授予單位】：山西財(cái)經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2015
【分類號】：F832.2
本文編號：2162634
[Abstract]:With the deepening development of economic globalization, more and more countries in the financial exchanges, multinational enterprises, transnational investment is common, which put forward new requirements for the development of commercial banks. On the one hand, since the outbreak of the subprime mortgage crisis in the United States, the traditional assets and liabilities of commercial banks in China have been greatly affected. On the other hand, Internet finance has developed rapidly in 2014, and the process of marketization of interest rates has been accelerated. The entry of private commercial banks and the macro-economic operation of our country are now in the period of shift of growth rate, painful period of structural adjustment, and period of digestion of early stimulus policies. Many macro and micro situations, such as "three periods" superposition pressure, are challenging the dominant position of China's commercial banks in their asset-liability business, which makes commercial banks in our country mainly rely on the profit model of deposit and loan interest margin, which must be changed by adjusting the income structure. Broaden revenue channels to break the homogenous competition deadlock, speed up the cultivation of business characteristics, and look for new profit growth points. Well, according to the successful development experience of some foreign commercial banks, we should vigorously develop intermediate business. To pay more attention to intermediary business has become an effective and feasible means for Chinese commercial banks. The intermediary business of commercial banks in our country is developing very fast and expanding with the advantages of rich product types, rarely occupying bank funds, high income and low risk, and the proportion of business income is also increasing. But at the same time, we should also pay attention to whether the structure of commercial bank intermediary business is reasonable and the relationship between business performance and business performance. Therefore, this paper first introduces some basic concepts of intermediate business and performance of commercial banks and the development of intermediary business and performance evaluation in China's commercial banks, and then takes listed commercial banks in China as the research object. According to the annual report, we collate the data of the income structure of intermediate business and the rate of return on net assets in 2006 to 2013 years. In the statistical analysis, we analyze the trend of various types of business income from intermediate business over time. The two dimensions of income structure analysis of intermediate business of two kinds of commercial banks in China are analyzed horizontally and vertically, which are based on panel data in the empirical analysis. This paper constructs the measurement model of the income structure and performance of the intermediate business of commercial banks to analyze the relationship between them. Finally, according to the actual situation, it puts forward some feasible suggestions from the macro and micro perspectives. The results show that for large commercial banks, consulting business, guarantee commitment business, trusteeship and other fiduciary business have a very significant impact on business performance, while for small and medium-sized commercial banks, consultancy consulting business, Trusteeship and other fiduciary businesses have a significant impact on business performance. The innovation of this paper lies in the fact that many scholars studied intermediary business before, but seldom involved in the income structure of intermediate business, so this paper subdivides intermediary business into bank card business, agency business, trusteeship business and other fiduciary business. Clearing and settlement business, guarantee undertaking business and consulting business are six sub-businesses to study the income structure of intermediate business. Another innovation is that the scale of intermediary business of commercial banks in China varies greatly. Considering the different speed of development and the current situation of each bank, the commercial banks of our country are divided into two categories: large and medium scale, and the statistical research and empirical research are carried out respectively.
【學(xué)位授予單位】：山西財(cái)經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2015
【分類號】：F832.2
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