本文選題：非利息收入 + 經(jīng)營(yíng)績(jī)效　； 參考：《上海師范大學(xué)》2017年碩士論文

【摘要】：我國(guó)商業(yè)銀行的非利息收入業(yè)務(wù)發(fā)展已經(jīng)有將近30年的時(shí)間,這30年中我國(guó)上市商業(yè)銀行的非利息收入業(yè)務(wù)經(jīng)過(guò)了幾個(gè)階段的發(fā)展,在2014年,我國(guó)上市商業(yè)銀行的平均非利息收入占比已經(jīng)達(dá)到了 22.83%,雖然與發(fā)達(dá)國(guó)家商業(yè)銀行40%-50%的非利息收入占比還略顯不足,但是隨著利率市場(chǎng)化的推進(jìn),金融脫媒化的愈演愈烈,商業(yè)銀行賴以生存的利息收入業(yè)務(wù)受到巨大沖擊,傳統(tǒng)存貸模式的利潤(rùn)空間受到擠壓,非利息收入業(yè)務(wù)得到越來(lái)越多的重視。因此研究非利息收入業(yè)務(wù)的發(fā)展是否有利于提高商業(yè)銀行的績(jī)效、規(guī)模不同的商業(yè)銀行發(fā)展非利息收入的策略是否一致對(duì)于目前的商業(yè)銀行來(lái)說(shuō)具有十分重要的意義。本文首先對(duì)現(xiàn)有的文獻(xiàn)和理論進(jìn)行簡(jiǎn)要的回顧,分析了商業(yè)銀行非利息收入及其結(jié)構(gòu)與商業(yè)銀行經(jīng)營(yíng)績(jī)效之間的相互傳導(dǎo)關(guān)系,并結(jié)合現(xiàn)實(shí)數(shù)據(jù)分析了商業(yè)銀行非利息收入與商業(yè)銀行經(jīng)營(yíng)績(jī)效的發(fā)展現(xiàn)狀;其次在實(shí)證部分,本文主要分為兩個(gè)部分:第一部分分析商業(yè)銀行非利息收入與收入多元化對(duì)于商業(yè)銀行經(jīng)營(yíng)績(jī)效的關(guān)系,第二部分分析商業(yè)銀行的非利息收入結(jié)構(gòu)對(duì)商業(yè)銀行經(jīng)營(yíng)績(jī)效的影響。兩個(gè)實(shí)證部分都選擇全體上市銀行、國(guó)有銀行、股份制銀行三個(gè)樣本組,以2004-2014年的面板數(shù)據(jù)進(jìn)行多元回歸分析,經(jīng)營(yíng)績(jī)效指標(biāo)選則取資產(chǎn)收益率和風(fēng)險(xiǎn)調(diào)整的資產(chǎn)收益率進(jìn)行對(duì)比分析。實(shí)證結(jié)果顯示,對(duì)于全體商業(yè)銀行來(lái)說(shuō),非利息收入占比、收入多元指數(shù)與商業(yè)銀行經(jīng)營(yíng)績(jī)效都是呈現(xiàn)正相關(guān)關(guān)系。對(duì)國(guó)有商業(yè)銀行來(lái)說(shuō),非利息收入對(duì)經(jīng)營(yíng)績(jī)效的顯著性并不明顯,而收入多元化指數(shù)則與商業(yè)銀行經(jīng)營(yíng)績(jī)效不相關(guān),在不同類非利息收入業(yè)務(wù)對(duì)于經(jīng)營(yíng)績(jī)效的影響研究中,手續(xù)費(fèi)及傭金收入與經(jīng)營(yíng)績(jī)效具有正向相關(guān)性,投資損益與經(jīng)營(yíng)績(jī)效沒(méi)有相關(guān)性。對(duì)股份商業(yè)銀行來(lái)說(shuō),非利息收入和收入多元化都對(duì)經(jīng)營(yíng)績(jī)效產(chǎn)生正向影響,在非利息收入結(jié)構(gòu)對(duì)于經(jīng)營(yíng)績(jī)效的影響研究中,手續(xù)費(fèi)及傭金收入對(duì)經(jīng)營(yíng)績(jī)效產(chǎn)生正向影響,而投資損益則對(duì)經(jīng)營(yíng)績(jī)效有負(fù)向影響。最后,本文根據(jù)研究結(jié)果對(duì)國(guó)有銀行和股份制商業(yè)銀行發(fā)展非利息收入業(yè)務(wù)提供了建議。
[Abstract]:The non-interest income business of commercial banks in China has been developing for nearly 30 years. In the past 30 years, the non-interest income business of listed commercial banks in China has undergone several stages of development. In 2014, The average non-interest income of listed commercial banks in China has reached 22.833.Although the proportion of non-interest income of 40% to 50% of commercial banks in developed countries is still slightly inadequate, with the promotion of marketization of interest rates, financial disintermediation is becoming more and more serious. The interest income business on which commercial banks rely for survival is greatly impacted, the profit space of the traditional deposit and loan mode is squeezed, and the non-interest income business is paid more and more attention. Therefore, it is very important for commercial banks to study whether the development of non-interest income business is conducive to improving the performance of commercial banks, and whether the strategies of developing non-interest income of commercial banks of different scales are consistent. First of all, this paper briefly reviews the existing literature and theories, and analyzes the relationship between the non-interest income and its structure of commercial banks and the performance of commercial banks. Combining with the actual data, this paper analyzes the current situation of commercial banks' non-interest income and commercial banks' operating performance. Secondly, in the empirical part, This paper is divided into two parts: the first part analyzes the relationship between commercial banks' non-interest income and income diversification on the performance of commercial banks, and the second part analyzes the influence of the structure of non-interest income of commercial banks on the performance of commercial banks. The two empirical parts choose all listed banks, state-owned banks and joint-stock banks as three sample groups, and carry out multivariate regression analysis with panel data from 2004-2014. The index of operating performance is chosen to take the asset return rate and the risk adjusted asset return rate to carry on the contrast analysis. The empirical results show that, for all commercial banks, the proportion of non-interest income, multiple income index and commercial bank operating performance are positive correlation. For state-owned commercial banks, the significance of non-interest income to business performance is not obvious, while the income diversification index is not related to the performance of commercial banks. Fees and commission income have positive correlation with operating performance, but investment gains and losses have no correlation with operating performance. For stock commercial banks, both non-interest income and income diversification have a positive impact on operating performance. In the study of the impact of non-interest income structure on business performance, fees and commission income have a positive impact on operating performance. Investment gains and losses have a negative impact on business performance. Finally, according to the research results, this paper provides suggestions for the development of non-interest income business of state-owned banks and joint-stock commercial banks.
【學(xué)位授予單位】：上海師范大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.33;F830.42

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