【摘要】：隨著中國(guó)經(jīng)濟(jì)崛起、“雙向開放”步伐加快和人民幣國(guó)際化推進(jìn),中國(guó)銀行業(yè)迎來(lái)海外發(fā)展的機(jī)遇期。十二五規(guī)劃對(duì)大型跨國(guó)金融機(jī)構(gòu)提出“提高國(guó)際化經(jīng)營(yíng)水平”的發(fā)展建議,我國(guó)部分商業(yè)銀行作為重要金融機(jī)構(gòu)在過(guò)去五年內(nèi)加快推進(jìn)國(guó)際化進(jìn)程并取得了重要進(jìn)展。此外,在經(jīng)濟(jì)新常態(tài)下,我國(guó)銀行業(yè)面臨經(jīng)濟(jì)增速放緩、利率市場(chǎng)化、金融脫媒加劇等問(wèn)題,國(guó)內(nèi)業(yè)務(wù)的高盈利與高增長(zhǎng)難以持續(xù),國(guó)際業(yè)務(wù)成為新的利潤(rùn)驅(qū)動(dòng)點(diǎn),因此各家銀行逐步將國(guó)際化納入長(zhǎng)期發(fā)展戰(zhàn)略。但目前我國(guó)商業(yè)銀行國(guó)際化程度和綜合績(jī)效水平與國(guó)外先進(jìn)銀行還存在一定差距,發(fā)展經(jīng)驗(yàn)仍顯不足。各家銀行對(duì)國(guó)際化能否提升經(jīng)營(yíng)績(jī)效,帶來(lái)長(zhǎng)期發(fā)展利益還存在疑問(wèn)。因此,本文就我國(guó)商業(yè)銀行國(guó)際化對(duì)經(jīng)營(yíng)績(jī)效的影響展開研究。我國(guó)商業(yè)銀行國(guó)際化發(fā)展過(guò)程中海外分支機(jī)構(gòu)加快拓展、業(yè)務(wù)范圍逐漸擴(kuò)大、海外利潤(rùn)增多。然而,還存在海外整體布局滯后、業(yè)務(wù)多元化不足、經(jīng)營(yíng)模式相對(duì)落后以及風(fēng)險(xiǎn)防范意識(shí)不足的問(wèn)題。對(duì)此,本文借鑒參考美國(guó)、日本、澳大利亞的銀行國(guó)際化經(jīng)驗(yàn)并總結(jié)出了相關(guān)啟示。實(shí)證部分使用我國(guó)7家商業(yè)銀行2005年至2015年間的數(shù)據(jù)就銀行國(guó)際化對(duì)經(jīng)營(yíng)績(jī)效的影響展開驗(yàn)證與討論。文章采用因子分析法得出績(jī)效綜合得分,隨后使用固定效應(yīng)模型進(jìn)行回歸分析并得出如下結(jié)論:我國(guó)商業(yè)銀行國(guó)際化發(fā)展中海外資產(chǎn)占比與銀行經(jīng)營(yíng)績(jī)效呈負(fù)相關(guān)關(guān)系,海外利潤(rùn)占比對(duì)經(jīng)營(yíng)績(jī)效的影響不顯著但呈正相關(guān)關(guān)系,而資產(chǎn)規(guī)模會(huì)導(dǎo)致銀行綜合績(jī)效下降。因此,我國(guó)商業(yè)銀行國(guó)際化的盲目擴(kuò)張不利于整體績(jī)效的提高,還應(yīng)當(dāng)注重盈利水平等方面的提升。為此,本文對(duì)我國(guó)商業(yè)銀行國(guó)際化發(fā)展提出了制定合理戰(zhàn)略實(shí)施穩(wěn)步發(fā)展、注重人才培養(yǎng)提高經(jīng)營(yíng)能力、加強(qiáng)產(chǎn)品創(chuàng)新走特色化發(fā)展道路的政策建議。
[Abstract]:With the rise of China's economy, the quickening pace of "two-way opening" and the internationalization of the renminbi, China's banking industry has ushered in an opportunity period for overseas development. The 12th Five-Year Plan puts forward the development suggestion of "improving the level of internationalized management" for large transnational financial institutions. As important financial institutions, some commercial banks in our country have accelerated the process of internationalization and made important progress in the past five years. In addition, under the new normal state of the economy, China's banking industry is faced with problems such as slowing down of economic growth, marketization of interest rates, aggravation of financial disintermediation and so on. The high profitability and high growth of domestic business are difficult to sustain, and international business has become a new profit-driven point. As a result, the banks gradually bring internationalization into the long-term development strategy. However, there is still a certain gap between the international degree and comprehensive performance level of commercial banks in China and foreign advanced banks, and the development experience is still insufficient. Banks have doubts about whether internationalization can improve business performance and bring about long-term development benefits. Therefore, this paper studies the impact of the internationalization of Chinese commercial banks on business performance. In the process of international development of Chinese commercial banks, the overseas branches are expanding rapidly, the scope of business is gradually expanding, and the overseas profits are increasing. However, there are still some problems such as the lag of overseas overall layout, the insufficiency of business diversification, the relative backwardness of business model and the lack of awareness of risk prevention. This paper draws lessons from the international experience of American, Japanese and Australian banks and summarizes the relevant enlightenment. The empirical part uses the data of 7 commercial banks from 2005 to 2015 to verify and discuss the impact of bank internationalization on business performance. This paper uses factor analysis method to get the comprehensive score of performance, then carries on the regression analysis with the fixed effect model and draws the following conclusion: the proportion of overseas assets in the international development of Chinese commercial banks is negatively related to the bank's operating performance. The proportion of overseas profits has no significant effect on operating performance, but there is a positive correlation, and the scale of assets will lead to the decline of comprehensive performance of banks. Therefore, the blind expansion of the internationalization of commercial banks is not conducive to the improvement of overall performance, but also should pay attention to the improvement of profit level. For this reason, this paper puts forward some policy suggestions for the internationalization development of commercial banks in our country, such as formulating reasonable strategy to carry out steady development, paying attention to talent training and improving management ability, and strengthening product innovation to take the road of characteristic development.
【學(xué)位授予單位】：首都經(jīng)濟(jì)貿(mào)易大學(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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本文編號(hào)：2380001