本文關鍵詞：商業(yè)銀行非利息收入與經營績效相關性研究　出處：《東北林業(yè)大學》2014年碩士論文　論文類型：學位論文

  更多相關文章： 商業(yè)銀行 非利息收入 經營績效

【摘要】：隨著我國進一步加大改革開放和金融體制改革的力度,我國的商業(yè)銀行也面臨著越來越多的問題和壓力。由于我國不斷擴大金融市場的對外開放和不斷引入越來越多的外資銀行的注資,國內各地非銀行金融機構和組織也不斷興起和蓬勃發(fā)展。此外,近年來我國商業(yè)銀行又受到如金融脫媒現(xiàn)象等因素的影響,因此,商業(yè)銀行單純依靠銀行的利息收入和借貸的利差已經不能維持原有的盈利水平�，F(xiàn)階段,我國商業(yè)銀行開始調整收入結構,采取各種措施推進非利息收入業(yè)務的擴展,以提高商業(yè)銀行的績效。 本文從非利息收入的定義和分類入手,對非利息收入的界定、特點和經營績效的定義進行介紹,并以風險管理理論、多元化理論、范圍經濟和金融創(chuàng)新理論為基礎,對非利息收入促進商業(yè)銀行的發(fā)展進行了闡述。本文在借鑒國內外商業(yè)銀行行業(yè)發(fā)展策略的經驗基礎上參考相關資料,從非利息收入與經營績效具有相關性、手續(xù)費及傭金凈收入與經營績效的影響具有相關性進行了理論假設分析,為實證分析奠定了基礎。在實證分析部分,選取2007年到2012年底的16家上市商業(yè)銀行的財務數(shù)據作為樣本,對非利息收入和手續(xù)費及傭金凈收入對商業(yè)銀行經營績效之間的關系作了相關性和回歸分析。分析結果顯示,只有當非利息收入在不引起商業(yè)銀行營業(yè)成本大幅度增加的情況下,非利息收入才能促進商業(yè)銀行經營績效的進一步提高。在論文的最后,對商業(yè)銀行非利息收入促進經營績效提出了一些建議和對策。本文通過分析商業(yè)銀行的非利息收入,意識到非利息收入對于一個行業(yè)可持續(xù)發(fā)展和提高競爭力的重要性,有利于商業(yè)銀行制定適合自身發(fā)展的非利息收入策略；有利于商業(yè)銀行通過對相關性的理解和認識,有利于商業(yè)銀行業(yè)的可持續(xù)發(fā)展,從而促進我國經濟的發(fā)展。
[Abstract]:Along with our country further strengthens the reform and opening up and the financial system reform dynamics. The commercial banks of our country are also facing more and more problems and pressures, because our country unceasingly expands the opening up of the financial market and continuously introduces more and more foreign banks' capital injection. Domestic non-bank financial institutions and organizations are also rising and booming. In addition, in recent years, commercial banks in China have been affected by such factors as financial disintermediation. Commercial banks simply rely on the interest income of banks and the interest rate difference of loans can not maintain the original profit level. At this stage, our commercial banks began to adjust the income structure. Take various measures to promote the expansion of non-interest income business in order to improve the performance of commercial banks. This paper starts with the definition and classification of non-interest income, introduces the definition, characteristics and operating performance of non-interest income, and introduces the theory of risk management and diversification theory. Based on the theory of scope economy and financial innovation, this paper expounds the non-interest income to promote the development of commercial banks. From the non-interest income and the operating performance has the correlation, the handling fee and the commission net income has the correlation with the operating performance to have the correlation, has carried on the theoretical hypothesis analysis, has laid the foundation for the empirical analysis. The financial data of 16 listed commercial banks from 2007 to end of 2012 are selected as samples. The correlation and regression analysis of the relationship between non-interest income, commission net income and operating performance of commercial banks are made. The results show that the relationship between non-interest income and commission net income is related to the performance of commercial banks. Only when the non-interest income does not cause the commercial bank operating cost to increase substantially, the non-interest income can promote the commercial bank management performance further enhancement. This paper puts forward some suggestions and countermeasures to promote the performance of commercial banks by non-interest income. This paper analyzes the non-interest income of commercial banks. Realize the importance of non-interest income for the sustainable development of an industry and improve competitiveness, conducive to the development of commercial banks suitable for their own non-interest income strategy; It is beneficial to the commercial banks to understand and understand the relevance and the sustainable development of the commercial banks, thus promoting the economic development of our country.
【學位授予單位】：東北林業(yè)大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.33

【共引文獻】

相關博士學位論文 前5條

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3 吳曉;入世后我國中小商業(yè)銀行地域及業(yè)務拓展研究[D];同濟大學;2007年

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5 蘇陽;我國商業(yè)銀行盈利模式的轉型研究[D];中共中央黨校;2014年

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本文編號：1414585