本文選題：銀行業(yè) + 利息收入�。� 參考：《財(cái)貿(mào)經(jīng)濟(jì)》2012年05期

【摘要】：運(yùn)用均值-標(biāo)準(zhǔn)差分析方法,本文對(duì)美國(guó)、德國(guó)銀行業(yè)及其代表性銀行近幾十年的利息收入、非利息收入及非利息收入占比數(shù)據(jù),尤其是金融危機(jī)以來(lái)的數(shù)據(jù)進(jìn)行了實(shí)證分析,對(duì)其背后的制度原因進(jìn)行了研究。本文發(fā)現(xiàn),國(guó)際銀行業(yè)非利息收入占比都經(jīng)歷了持續(xù)增長(zhǎng)過(guò)程,這期間投資銀行業(yè)務(wù)收入在非利息收入中的占比不斷上升;增加非利息收入占比可以提升商業(yè)銀行的業(yè)績(jī),但并不能降低銀行的經(jīng)營(yíng)風(fēng)險(xiǎn),因?yàn)榉抢⑹杖氩⒉槐葍衾⑹杖敫�(wěn)定。結(jié)合中國(guó)銀行業(yè)收入結(jié)構(gòu)的現(xiàn)狀及特征,本文從中總結(jié)了相應(yīng)的啟示。
[Abstract]:By means of mean-standard deviation analysis, this paper makes an empirical analysis of the percentage of interest income, non-interest income and non-interest income of the banks in the United States, Germany and their representative banks in recent decades, especially since the financial crisis. The institutional reasons behind it are studied. This paper finds that the proportion of non-interest income in international banking industry has experienced a process of continuous growth, during which the proportion of investment banking business income in non-interest income has been rising, and increasing the proportion of non-interest income can enhance the performance of commercial banks. But it does not reduce banks' operating risk, as non-interest income is not more stable than net interest income. Combined with the current situation and characteristics of China's banking revenue structure, this paper summarizes the corresponding enlightenment.
【作者單位】： 中國(guó)民生銀行;
【分類(lèi)號(hào)】：F832.2

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本文編號(hào)：2065453