本文選題：中小商業(yè)銀行　切入點(diǎn)：多元化經(jīng)營　出處：《天津商業(yè)大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

【摘要】：越來越多的企業(yè)相信多元化經(jīng)營對(duì)企業(yè)擴(kuò)大規(guī)模十分有利,可以帶來分散經(jīng)營風(fēng)險(xiǎn)的好處,同時(shí)達(dá)到多領(lǐng)域掘金的目的,不但可以增加市場(chǎng)占有率,還有助于提高企業(yè)在全行業(yè)中的排名,由此產(chǎn)生名譽(yù)效應(yīng),進(jìn)而帶動(dòng)企業(yè)的長(zhǎng)足發(fā)展。在國外標(biāo)桿企業(yè)的帶動(dòng)下,我國的各行各業(yè)多元化經(jīng)營進(jìn)行的如火如荼,希望將企業(yè)締造成下一個(gè)美國通用電氣公司。本文先通過研究我國中小商業(yè)銀行多元化經(jīng)營發(fā)展歷程,了解到到我國曾經(jīng)在2003年經(jīng)濟(jì)繁榮的時(shí)期允許是商業(yè)銀行進(jìn)行多元化經(jīng)營,在東南亞金融危機(jī)發(fā)生后,對(duì)我國中小商業(yè)銀行的經(jīng)營業(yè)務(wù)進(jìn)行嚴(yán)格約束。“十二五”提出綜合經(jīng)營,我國中小商業(yè)銀行多元化業(yè)務(wù)開始逐步發(fā)展。繼而從多元化業(yè)務(wù)同質(zhì)性、理財(cái)業(yè)務(wù)、財(cái)務(wù)指標(biāo)三方面研究我國中小商業(yè)銀行多元化經(jīng)營現(xiàn)狀,從而得出我國中小商業(yè)銀行多元化業(yè)務(wù)發(fā)展極為不平衡,對(duì)中小商業(yè)銀行的績(jī)效影響也各不相同,然后在相關(guān)理論分析的基礎(chǔ)上,按照我國2016年發(fā)布的陀螺評(píng)價(jià)體系1把中小商業(yè)銀行分為全國性中小商業(yè)銀行、城市商業(yè)銀行和農(nóng)村商業(yè)銀行三類,并且根據(jù)公布排名的先后選取32家中小商業(yè)銀行,通過閱讀各銀行的年度財(cái)務(wù)報(bào)表以及相關(guān)的證券信息網(wǎng)站獲取2008-2015年的面板數(shù)據(jù)進(jìn)行實(shí)證分析,通過建立相關(guān)模型研究多元化經(jīng)營對(duì)我國中小商業(yè)銀行經(jīng)營績(jī)效的影響,得出以下結(jié)論:(1)多元化經(jīng)營對(duì)全國性中小商業(yè)銀行盈利能力產(chǎn)生正面影響,意味著多元化程度越高,越有利于其盈利能力的提高,(2)多元化經(jīng)營對(duì)城市商業(yè)銀行、農(nóng)村商業(yè)銀行的盈利能力產(chǎn)生負(fù)面影響,也就是多元化程度與其盈利能力反方向變動(dòng),同時(shí)從實(shí)證結(jié)果可以看出,多元化經(jīng)營對(duì)城市商業(yè)銀行盈利能力負(fù)面影響低于農(nóng)村商業(yè)銀行,意味著多元化程度相同時(shí),相較于農(nóng)村商業(yè)銀行,對(duì)城市商業(yè)銀行盈利能力的負(fù)面影響要小。由此可知,中小商業(yè)銀行因立足自身,找尋適合的特色化的經(jīng)營之路。
[Abstract]:More and more enterprises believe that diversification is very beneficial to the expansion of enterprises' scale and can bring about the benefits of diversification of business risks. At the same time, it can not only increase market share, but also achieve the goal of multi-domain gold digs. It will also help to improve the ranking of enterprises in the whole industry, which will have a reputation effect and thus drive the rapid development of enterprises. With the help of foreign benchmarking enterprises, the diversified operation of various industries in our country is in full swing. It is hoped that the enterprise will be established as the next American General Electric Company. This paper first studies the development process of diversified management of small and medium-sized commercial banks in China. Aware that our country once allowed commercial banks to diversify during the economic boom in 2003. After the financial crisis in Southeast Asia, we strictly restricted the business operations of small and medium-sized commercial banks in our country. The 12th Five-Year Plan proposed comprehensive management. The diversified business of small and medium-sized commercial banks in China began to develop step by step, and then the present situation of diversified management of small and medium-sized commercial banks in China was studied from three aspects: homogeneity of diversified business, financial management and financial indicators. It is concluded that the diversified business development of small and medium-sized commercial banks in China is extremely unbalanced, and the impact on the performance of small and medium-sized commercial banks is different, and then on the basis of relevant theoretical analysis, According to the gyroscope evaluation system published in 2016, small and medium-sized commercial banks are divided into three categories: national small and medium-sized commercial banks, urban commercial banks and rural commercial banks. According to the published ranking, 32 small commercial banks are selected. Through reading the annual financial statements of banks and relevant securities information websites to obtain the panel data from 2008 to 2015 for empirical analysis, through the establishment of relevant models to study the impact of diversification on the performance of small and medium-sized commercial banks in China. The following conclusions are drawn: (1) diversification has a positive impact on the profitability of national small and medium-sized commercial banks, which means that the higher the degree of diversification is, the more conducive it is to the improvement of their profitability. The profitability of rural commercial banks has a negative impact, that is, the degree of diversification and its profitability change in the opposite direction, at the same time, from the empirical results can be seen, The negative impact of diversification on the profitability of urban commercial banks is lower than that of rural commercial banks, which means that when the degree of diversification is the same, the negative impact on the profitability of urban commercial banks is smaller than that of rural commercial banks. Small and medium-sized commercial banks, based on their own, to find a suitable way of special management.
【學(xué)位授予單位】：天津商業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.33

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