本文關(guān)鍵詞： 商業(yè)銀行 中間業(yè)務(wù) 影響因素 實(shí)證研究　出處：《山東大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：隨著金融全球化以及金融自由化等趨勢的發(fā)展,尤其是資本市場的發(fā)展和利率市場化的不斷推進(jìn),使中間業(yè)務(wù)成為與傳統(tǒng)資產(chǎn)、負(fù)債業(yè)務(wù)并重的第三支柱業(yè)務(wù)。中間業(yè)務(wù)不但以其成本低、收益高、對資本要求少并能在一定程度上規(guī)避風(fēng)險等特點(diǎn)為現(xiàn)代商業(yè)銀行帶來了巨大活力,而且起到了服務(wù)客戶、聯(lián)系客戶、促進(jìn)傳統(tǒng)資產(chǎn)負(fù)債業(yè)務(wù)發(fā)展的作用。中間業(yè)務(wù)是銀行業(yè)務(wù)發(fā)展水平的重要標(biāo)志,同時也是我國商業(yè)銀行規(guī)避風(fēng)險、拓寬利潤渠道的重要手段。大力發(fā)展我國商業(yè)銀行中間業(yè)務(wù)不僅有利于帶動傳統(tǒng)資產(chǎn)負(fù)債業(yè)務(wù)的進(jìn)展,也有利十完善銀行資產(chǎn)負(fù)債管理機(jī)制,增強(qiáng)其防控風(fēng)險的能力。因此研究我國商業(yè)銀行中間業(yè)務(wù)發(fā)展的影響因素,不論在提高商業(yè)銀行自身的盈利能力,還是在增強(qiáng)我國商業(yè)銀行在國際競爭中的實(shí)力上,都具有十分重要的意義。為適應(yīng)國際銀行業(yè)發(fā)展趨勢,確立我國商業(yè)銀行中間業(yè)務(wù)發(fā)展戰(zhàn)略,已成為我國商業(yè)銀行發(fā)展戰(zhàn)略的必然選擇。 本文主要研究我國商業(yè)銀行中間業(yè)務(wù)發(fā)展的影響因素,從宏觀角度選取GDP、人均可支配收入、直接融資總額、貨幣供應(yīng)量以及進(jìn)出口貿(mào)易總額,微觀角度選取存款余額、資本充足率、營業(yè)費(fèi)用、不良貸款率、利息收入以及固定資產(chǎn),從宏微觀兩個方面研究其對中間業(yè)務(wù)發(fā)展的影響。然后根據(jù)實(shí)證結(jié)果從宏微觀兩方面提出針對性建議,以促進(jìn)我國商業(yè)銀行中間業(yè)務(wù)的發(fā)展。 本文運(yùn)用規(guī)范分析與實(shí)證分析相結(jié)合、定量分析與定性分析相結(jié)合的研究方法。首先,通過研究相關(guān)文獻(xiàn)了解國內(nèi)外中間業(yè)務(wù)的研究內(nèi)容,以確定本文的研究內(nèi)容與方向；其次,研究分析中間業(yè)務(wù)發(fā)展相關(guān)理論,介紹金融領(lǐng)域所探討的金融發(fā)展動因理論以及中間業(yè)務(wù)發(fā)展的規(guī)模經(jīng)濟(jì)效應(yīng)理論,相關(guān)理論的研究奠定了我國商業(yè)銀行中間業(yè)務(wù)發(fā)展的理論基礎(chǔ)；再次,通過分析闡述我國商業(yè)銀行中間業(yè)務(wù)的發(fā)展現(xiàn)狀及存在的問題；然后,根據(jù)中間業(yè)務(wù)發(fā)展的理論與現(xiàn)狀,分析并提取影響我國商業(yè)銀行中間業(yè)務(wù)發(fā)展的因素,通過對自變量的定性與實(shí)證分析確定影響中間業(yè)務(wù)發(fā)展的因素。最后,提出中間業(yè)務(wù)發(fā)展的相關(guān)政策建議。
[Abstract]:With the development of financial globalization and financial liberalization, especially the development of capital market and the promotion of interest rate marketization, intermediary business has become a traditional asset. The third pillar business with equal emphasis on debt business. The intermediate business not only has the characteristics of low cost, high income, less capital requirements, but also can avoid risks to a certain extent, which has brought great vitality to modern commercial banks. The intermediary business is an important symbol of the level of development of banking business, but also the commercial banks in China to avoid risks. The important means of widening profit channels is to vigorously develop the intermediary business of commercial banks in China not only to promote the development of traditional asset-liability business, but also to improve the management mechanism of bank assets and liabilities. Therefore, this paper studies the influencing factors of the development of intermediate business of commercial banks in China, whether in improving the profitability of commercial banks themselves. It is also of great significance to strengthen the strength of Chinese commercial banks in the international competition. In order to adapt to the development trend of international banking, the development strategy of intermediate business of Chinese commercial banks is established. It has become the inevitable choice of the development strategy of commercial banks in our country. This paper mainly studies the influencing factors of the development of intermediate business of commercial banks in China. From the macro point of view, we select GDP, per capita disposable income, total direct financing, money supply and total import and export trade. Microcosmic selection of deposit balance, capital adequacy ratio, operating expenses, non-performing loan ratio, interest income and fixed assets. This paper studies the influence of macro and micro on the development of intermediate business, and then puts forward some suggestions from macro and micro to promote the development of intermediate business in China's commercial banks. This paper uses the combination of normative analysis and empirical analysis, quantitative analysis and qualitative analysis of research methods. First, through the study of relevant literature to understand the domestic and foreign intermediate business research content. In order to determine the research content and direction of this paper; Secondly, it studies and analyzes the relevant theories of intermediate business development, introduces the theory of financial development motivation and the theory of economies of scale in the development of intermediate business. The research of relevant theories has laid the theoretical foundation for the development of intermediate business of commercial banks in China. Third, through the analysis of the development of commercial banks in China and the status quo of intermediary business and existing problems; Then, according to the theory and current situation of the development of intermediary business, we analyze and extract the factors that affect the development of intermediate business of commercial banks in China. Through the qualitative and empirical analysis of independent variables to determine the factors affecting the development of intermediate business. Finally, put forward the relevant policy recommendations for the development of intermediate business.
【學(xué)位授予單位】：山東大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.2

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