【摘要】：本文在相關(guān)研究的基礎(chǔ)上,利用我國11家上市銀行2004年-2010年的面板數(shù)據(jù),考察了盈利模式的轉(zhuǎn)型與銀行價值的關(guān)系。研究結(jié)果發(fā)現(xiàn),單純依靠擴(kuò)大存貸款總規(guī)模并不能有效地提高銀行價值,但是近年來非利息收入的增長也并未能提升銀行價值。進(jìn)一步的研究顯示,其可能的原因在于非利息收入波動性大、凈利息收入與非利息的收入高度相關(guān)以及考核機(jī)制偏差�；谘芯�,本文從加大創(chuàng)新力度、優(yōu)化考核機(jī)制等方面為商業(yè)銀行盈利模式轉(zhuǎn)型、實現(xiàn)可持續(xù)發(fā)展提出建議。
[Abstract]:On the basis of relevant research, this paper investigates the relationship between the transformation of profit model and bank value by using the panel data of 11 listed banks in China from 2004 to 2010. The results show that the expansion of the total size of deposits and loans alone can not effectively improve the value of banks, but the growth of non-interest income in recent years has not been able to enhance the value of banks. Further research shows that the possible reasons are the volatility of non-interest income, the high correlation between net interest income and non-interest income, and the deviation of assessment mechanism. Based on the research, this paper puts forward some suggestions for the transformation of commercial banks' profit model and the realization of sustainable development from the aspects of increasing innovation and optimizing the assessment mechanism.
【作者單位】： 中國農(nóng)業(yè)銀行博士后科研工作站;清華大學(xué)博士后科研流動站;中央財經(jīng)大學(xué)會計學(xué)院;
【分類號】：F832.2

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相關(guān)期刊論文 前10條

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本文編號：2512393