本文選題：商業(yè)銀行 + 收入結(jié)構(gòu)轉(zhuǎn)型�。� 參考：《山西財(cái)經(jīng)大學(xué)》2014年碩士論文

【摘要】：隨著我國(guó)金融市場(chǎng)的發(fā)展，商業(yè)銀行經(jīng)營(yíng)環(huán)境發(fā)生巨大變化，在商業(yè)銀行收入結(jié)構(gòu)中非利息凈收入占比不斷提高。非利息凈收入的高低，日漸成為商業(yè)銀行現(xiàn)代化發(fā)展的重要標(biāo)志之一。受益于混業(yè)經(jīng)營(yíng)與統(tǒng)一監(jiān)管，西方商業(yè)銀行經(jīng)營(yíng)模式日益靈活，傳統(tǒng)資產(chǎn)負(fù)債業(yè)務(wù)比重逐年下降，非傳統(tǒng)業(yè)務(wù)快速上升，經(jīng)營(yíng)發(fā)展日趨綜合化，收入結(jié)構(gòu)日漸多元化，綜合競(jìng)爭(zhēng)實(shí)力顯著提升。而我國(guó)商業(yè)銀行長(zhǎng)期依托政策優(yōu)勢(shì)，以凈利息收入為主導(dǎo)的收入結(jié)構(gòu)單一且不均衡，極大的消耗了我國(guó)商業(yè)銀行的資本。使得我國(guó)銀行業(yè)在資本約束進(jìn)一步強(qiáng)化，利率市場(chǎng)化進(jìn)程不斷加速的過(guò)程中，表現(xiàn)出極強(qiáng)的資本饑渴癥。以凈利息收入為主導(dǎo)的現(xiàn)有商業(yè)銀行收入結(jié)構(gòu)，已嚴(yán)重制約著我國(guó)商業(yè)銀行的未來(lái)發(fā)展。 我國(guó)商業(yè)銀行為突破發(fā)展瓶頸，開始紛紛借鑒國(guó)外發(fā)達(dá)國(guó)際及地區(qū)商業(yè)銀行的發(fā)展經(jīng)驗(yàn)，逐步轉(zhuǎn)變經(jīng)營(yíng)戰(zhàn)略，優(yōu)化收入結(jié)構(gòu)。隨著利率市場(chǎng)化進(jìn)程快速推進(jìn)、資本監(jiān)管的進(jìn)一步加強(qiáng)、金融脫媒趨勢(shì)的不斷走強(qiáng)，我國(guó)商業(yè)銀行未來(lái)發(fā)展將面臨利潤(rùn)空間縮窄的嚴(yán)峻考研。在此大背景下，研究我國(guó)商業(yè)銀行收入結(jié)構(gòu)現(xiàn)狀及其轉(zhuǎn)型問題，，具有十分重要的現(xiàn)實(shí)意義。 本文首先在對(duì)商業(yè)銀行收入結(jié)構(gòu)的內(nèi)涵及相關(guān)理論進(jìn)行闡述，依托2006-2012年我國(guó)上市銀行年報(bào)中的經(jīng)營(yíng)數(shù)據(jù)，分析我國(guó)上市商業(yè)銀行收入結(jié)構(gòu)現(xiàn)狀及特點(diǎn)；其次，在充分借鑒國(guó)外商業(yè)銀行的收入結(jié)構(gòu)發(fā)展經(jīng)驗(yàn)的基礎(chǔ)上，剖析我國(guó)商業(yè)銀行收入結(jié)構(gòu)轉(zhuǎn)型的必要性；最后，針對(duì)不同發(fā)展階段的商業(yè)銀行發(fā)展規(guī)模的不同，對(duì)我國(guó)不同商業(yè)銀行收入結(jié)構(gòu)的轉(zhuǎn)型路徑和轉(zhuǎn)型策略進(jìn)行了分析。 通過(guò)分析，本文認(rèn)為我國(guó)商業(yè)銀行需要結(jié)合自身發(fā)展階段和發(fā)展特點(diǎn)，展開收入結(jié)構(gòu)轉(zhuǎn)型，即依據(jù)商業(yè)銀行自身發(fā)展階段和經(jīng)營(yíng)規(guī)模的不同，在收入結(jié)構(gòu)轉(zhuǎn)型過(guò)程中，選擇不同的發(fā)展方向、轉(zhuǎn)型路徑和實(shí)施策略。較大型商業(yè)銀行收入結(jié)構(gòu)轉(zhuǎn)型應(yīng)以綜合化為主，而較小商業(yè)銀行應(yīng)以特色化經(jīng)營(yíng)為主，實(shí)現(xiàn)收入結(jié)構(gòu)轉(zhuǎn)型，以全面提升商業(yè)銀行的綜合競(jìng)爭(zhēng)力。
[Abstract]:With the development of the financial market in China, the operating environment of commercial banks has changed greatly, and the proportion of non-interest net income in the income structure of commercial banks is increasing. The non-interest net income is becoming one of the important signs of the modernization of commercial banks. Benefiting from the mixed operation and unified supervision, the western commercial banks are increasingly flexible, the proportion of traditional assets and liabilities business is decreasing year by year, the non-traditional business is rising rapidly, the business development is becoming more and more comprehensive, and the income structure is becoming more and more diversified. Comprehensive competitive strength has improved significantly. However, China's commercial banks rely on the policy advantage for a long time, and the income structure dominated by net interest income is single and unbalanced, which greatly consumes the capital of our commercial banks. In the process of further strengthening the capital constraint and accelerating the process of interest rate marketization, the banking industry of our country shows a strong hunger for capital. The current income structure of commercial banks, dominated by net interest income, has seriously restricted the future development of commercial banks in China. In order to break through the bottleneck of development, Chinese commercial banks begin to learn from the development experience of developed international and regional commercial banks one after another, gradually change their management strategy and optimize their income structure. With the rapid development of interest rate marketization, the further strengthening of capital supervision and the increasing trend of financial disintermediation, the future development of commercial banks in China will be faced with the austere examination of narrow profit space. Under this background, it is of great practical significance to study the present situation and transformation of the income structure of commercial banks in China. Firstly, this paper expounds the connotation and related theories of the income structure of commercial banks, and analyzes the present situation and characteristics of the income structure of listed commercial banks in China based on the operating data of the annual reports of listed banks from 2006 to 2012. Based on the experience of foreign commercial banks' income structure development, this paper analyzes the necessity of the transformation of Chinese commercial banks' income structure, finally, aiming at the different development scale of commercial banks in different stages, This paper analyzes the transition path and strategy of different commercial banks' income structure in China. Through the analysis, this paper thinks that the commercial banks of our country need to carry out the transformation of the income structure according to their own development stage and characteristics, that is, according to the difference of the development stage and the management scale of the commercial banks, in the process of the transformation of the income structure, Choose different development directions, transition path and implementation strategy. The transformation of the income structure of the larger commercial banks should be based on integration while that of the smaller commercial banks should be based on the characteristic management to realize the transformation of the income structure so as to enhance the comprehensive competitiveness of the commercial banks in an all-round way.
【學(xué)位授予單位】：山西財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.33

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本文編號(hào)：1980613