本文選題：商業(yè)銀行 + 中間業(yè)務(wù)　； 參考：《蘭州財經(jīng)大學(xué)》2017年碩士論文

【摘要】：本文主要是對我國的16家上市商業(yè)銀行這些年來的中間業(yè)務(wù)運(yùn)營情況進(jìn)行分析,在此基礎(chǔ)上探討在當(dāng)前市場競爭日趨激烈、監(jiān)管更加嚴(yán)格的情形下,中間業(yè)務(wù)對增強(qiáng)商業(yè)銀行經(jīng)營績效的貢獻(xiàn),從而轉(zhuǎn)變盈利模式,提高商業(yè)銀行服務(wù)質(zhì)量。從當(dāng)前我國宏觀經(jīng)濟(jì)形勢和金融市場環(huán)境而言,依靠利差推進(jìn)營業(yè)利潤增加,發(fā)展空間非常有限。各大商業(yè)銀行都紛紛嘗試轉(zhuǎn)型,加強(qiáng)中間業(yè)務(wù)發(fā)展,使中間業(yè)務(wù)收入成為其新的增長點(diǎn),通過2015年上市銀行統(tǒng)計年報了解,五大國有商業(yè)銀行中,工商銀行、中國銀行以及建設(shè)銀行的中間業(yè)務(wù)營業(yè)收入占營業(yè)收入比超過20%,而中小商業(yè)銀行中,尤其招商銀行、民生銀行發(fā)展速度也是比較快,都超過了30%。本文通過整理國內(nèi)上市商業(yè)銀行2009年至2015年期間相應(yīng)的財務(wù)數(shù)據(jù),先是對于商業(yè)銀行經(jīng)營情況,中間業(yè)務(wù)數(shù)量、結(jié)構(gòu)以及業(yè)務(wù),中間業(yè)務(wù)資金支出考核等在橫向、縱向上進(jìn)行比較,就縱向比對結(jié)果來看,不同的商業(yè)銀行在中間業(yè)務(wù)收入這一板塊呈現(xiàn)連年增長的趨勢,但是中間業(yè)務(wù)成本支出占收入的比重卻在持續(xù)下降,這表明在我國商業(yè)銀行運(yùn)營時,中間業(yè)務(wù)的范圍在持續(xù)拓寬,經(jīng)營水平在不斷增強(qiáng)。就商業(yè)銀行橫對比結(jié)果而言,中間業(yè)務(wù)在商業(yè)銀行中的業(yè)務(wù)比例和市場中所持有的業(yè)務(wù)板塊比較小,同時把量化作為其經(jīng)營績效指標(biāo);就經(jīng)營績效指標(biāo)來看,大型的國有商業(yè)銀行所占份額較多,但是中小型的商業(yè)銀行增長速度很快。其次利用因子分析法分析各大上市商業(yè)銀行運(yùn)營績效,研究不同的指標(biāo)對于商業(yè)銀行營業(yè)額所起的作用,并將其指標(biāo)量化,再通過和能夠反映出中間業(yè)務(wù)發(fā)展大小以及經(jīng)營效率的兩個主要指標(biāo)間的數(shù)據(jù)進(jìn)行回歸分析,得到相應(yīng)的結(jié)論并進(jìn)行合理的解釋。最后按照相關(guān)結(jié)論從宏觀以及微觀這兩個角度出發(fā)得到相應(yīng)的建議。
[Abstract]:This paper mainly analyzes the operation of the intermediate business of 16 listed commercial banks in our country in recent years. On the basis of this, it discusses the situation that the market competition is becoming increasingly fierce and the supervision is more stringent. The contribution of intermediate business to enhancing the performance of commercial banks, thus changing the profit model and improving the service quality of commercial banks. From the current macroeconomic situation and financial market environment, depending on the spread to promote the increase of operating profits, development space is very limited. All major commercial banks have tried to transform, strengthen the development of intermediary business, and make intermediate business income become their new growth point. Through the statistical annual reports of listed banks in 2015, it is understood that among the five major state-owned commercial banks, Industrial and Commercial Bank of China, The intermediate business revenue of Bank of China and China Construction Bank is more than 20 percent of the operating income, but in the small and medium-sized commercial banks, especially China Merchants Bank and Minsheng Bank, the development rate is also relatively fast, which is more than 30 percent. This paper collates the corresponding financial data of the domestic listed commercial banks from 2009 to 2015. First of all, for the commercial banks, the number, structure and business of the intermediate business, the examination of the expenditure of the intermediate business funds, etc., are horizontal. Compared with each other vertically, as far as the results of longitudinal comparison are concerned, different commercial banks are showing a trend of annual growth in the intermediate business income sector, but the proportion of intermediate business cost expenditure in income has been declining. This indicates that the scope of intermediate business is continuously widening and the level of operation is increasing when commercial banks operate in our country. As far as the horizontal comparison of commercial banks is concerned, the proportion of intermediate business in commercial banks and the business sectors held in the market are relatively small, at the same time, the quantification is regarded as the operating performance index. Large state-owned commercial banks account for a large share, but small and medium-sized commercial banks are growing fast. Secondly, using factor analysis method to analyze the operational performance of the major listed commercial banks, to study the role of different indicators on the turnover of commercial banks, and to quantify the indicators. Then through the regression analysis of the data between the two main indexes which can reflect the development of the intermediate business and the management efficiency, the corresponding conclusions and reasonable explanations are obtained. Finally, according to the relevant conclusions from the macro and micro point of view to get the corresponding recommendations.
【學(xué)位授予單位】：蘭州財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.2

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本文編號：1849119