本文關(guān)鍵詞：商業(yè)銀行中間業(yè)務(wù)的發(fā)展對(duì)銀行盈利能力的影響　出處：《國際貿(mào)易經(jīng)濟(jì)合作研究院》2017年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 商業(yè)銀行 中間業(yè)務(wù) 盈利能力 總資產(chǎn)收益率

【摘要】：利率市場(chǎng)化不斷深入使銀行的凈利差持續(xù)縮小,金融脫媒、宏觀經(jīng)濟(jì)增速下降又使得銀行信貸資產(chǎn)規(guī)模增速放緩,這兩個(gè)因素直接導(dǎo)致以資產(chǎn)負(fù)債業(yè)務(wù)為主體的我國銀行業(yè)凈利潤(rùn)增速從2012年的18.96%下降到最近兩年的4%以內(nèi)。在此背景下,為銀行創(chuàng)造非利息收入的中間業(yè)務(wù)越發(fā)顯得重要。相比于傳統(tǒng)的資產(chǎn)負(fù)債業(yè)務(wù),中間業(yè)務(wù)不占用銀行資本金,承擔(dān)的風(fēng)險(xiǎn)極小,資本充足率監(jiān)管對(duì)中間業(yè)務(wù)的發(fā)展限制較小,此外,部分中間業(yè)務(wù)發(fā)展?jié)摿Υ�、�?chuàng)新程度高、利潤(rùn)率較高。為了提高銀行的盈利能力,轉(zhuǎn)型發(fā)展某些類中間業(yè)務(wù)是銀行比較合適的戰(zhàn)略選擇。本文首先分析了中間業(yè)務(wù)的特點(diǎn)、發(fā)展?fàn)顩r以及其對(duì)銀行經(jīng)營風(fēng)險(xiǎn)的影響;其次從利率市場(chǎng)化改革、金融脫媒、監(jiān)管資本約束等角度闡述發(fā)展中間業(yè)務(wù)的必要性;然后結(jié)合范圍經(jīng)濟(jì)理論和協(xié)同效應(yīng)理論分析發(fā)展中間業(yè)務(wù)對(duì)銀行盈利能力的影響;最后本文運(yùn)用這些理論,并結(jié)合其中六類中間業(yè)務(wù)的特點(diǎn),對(duì)發(fā)展這六類中間業(yè)務(wù)進(jìn)行了可行性分析。本文認(rèn)為銀行卡業(yè)務(wù)經(jīng)濟(jì)效益較高;財(cái)務(wù)顧問業(yè)務(wù)發(fā)揮著不可替代的作用;托管業(yè)務(wù)具有較大的市場(chǎng)潛力;支付結(jié)算業(yè)務(wù)和代理業(yè)務(wù)創(chuàng)新程度低、競(jìng)爭(zhēng)激烈;擔(dān)保承諾類業(yè)務(wù)風(fēng)險(xiǎn)較大、且增長(zhǎng)乏力;綜合分析,銀行應(yīng)該著力發(fā)展前三類中間業(yè)務(wù)。在實(shí)證部分中,本文通過對(duì)17家上市銀行2011年至2015年的財(cái)務(wù)數(shù)據(jù)進(jìn)行回歸分析,發(fā)現(xiàn)中間業(yè)務(wù)收入占比與銀行的資產(chǎn)收益率(ROA)之間有顯著的正相關(guān)關(guān)系,說明銀行轉(zhuǎn)型發(fā)展中間業(yè)務(wù)有利于提高資產(chǎn)的經(jīng)營效率。由于各類中間業(yè)務(wù)在創(chuàng)新程度、發(fā)展前景、盈利能力等方面存在差異,為了確定最適合銀行大力發(fā)展的中間業(yè)務(wù),本文又將六大中間業(yè)務(wù)的收入比重作為新的解釋變量,構(gòu)建面板數(shù)據(jù)回歸模型,回歸結(jié)果證明:銀行卡業(yè)務(wù)、財(cái)務(wù)顧問業(yè)務(wù)與銀行資產(chǎn)收益率之間有顯著的正相關(guān)關(guān)系;代理業(yè)務(wù)、支付結(jié)算業(yè)務(wù)與資產(chǎn)收益率之間存在負(fù)相關(guān)關(guān)系;另外兩類業(yè)務(wù)對(duì)資產(chǎn)收益率的影響不顯著。所以銀行應(yīng)該側(cè)重發(fā)展銀行卡業(yè)務(wù)、財(cái)務(wù)顧問業(yè)務(wù)和電子銀行業(yè)務(wù)。最后本文從轉(zhuǎn)變中間業(yè)務(wù)發(fā)展思路、調(diào)整中間業(yè)務(wù)結(jié)構(gòu)、加強(qiáng)與非銀金融機(jī)構(gòu)的合作、發(fā)展電子銀行業(yè)務(wù)等角度提出了促進(jìn)中間業(yè)務(wù)發(fā)展的對(duì)策。
[Abstract]:The deepening of the interest rate market make the bank net interest margins continue to shrink, financial disintermediation, macroeconomic growth decline makes the scale of bank credit assets slowdown, these two factors led directly to the business of the assets and liabilities as the main body of China's banking industry net profit growth fell from 18.96% in 2012 to less than 4% of the last two years. Under this background intermediate business, create non interest income for banks is more and more important. Compared to the traditional asset liability business, intermediate business does not occupy the capital of banks, minimal risk, capital adequacy regulation limits the development of intermediate business is small, in addition, part of the middle business development potential, high innovation level, higher profit margins. In order to improve the profitability of banks, restructuring and development of some kind of intermediate business is the bank strategic choice more appropriate. This paper first analyzes the characteristics of the intermediate business development. As well as its influence on bank risk; secondly from the market-oriented interest rate reform, financial disintermediation, regulatory capital constraint of necessity of the development of the intermediate business; then combined with the scope of economic theory and synergy theory analysis of the impact of the development of intermediary business of bank profitability; finally, based on these theories, combined with the six class the intermediary business characteristics, the development of these six types of intermediate business. This paper analyses the feasibility that the bank card business has high economic benefits; financial advisory business plays an irreplaceable role; hosting business has great market potential; the payment and settlement business and agency business innovation level is low, the competitive business risk guarantee commitments; the larger, and sluggish growth; the comprehensive analysis, the bank should focus on the development of intermediate business before three. In the empirical part, based on the 17 Listed Banks in 2011 The financial data from 2005 to 2015 of the regression analysis, found that the proportion of intermediary business revenue and the bank's return on assets (ROA) there is a significantly positive correlation between banks, restructuring and development of intermediate business is conducive to improve asset management efficiency. Because of the prospects for the development of all kinds of intermediary business in a new level, differences in profitability hand, in order to determine the most suitable for the bank to develop intermediary business, this paper will be six middle business income proportion as new explanatory variables to construct a panel data regression model, the regression results show that the bank card business, finance has a significant positive correlation between consultant business and bank asset returns; agency business, there is a negative the relationship between the payment and settlement business and asset returns; the other two types of business had no significant effect on the rate of return on assets. So the bank should focus on the development of bank card business, Finally, this paper puts forward some countermeasures to promote the development of intermediary business from changing the development ideas of intermediate business, adjusting the structure of intermediate business, strengthening cooperation with non banking financial institutions, and developing e-banking business.

【學(xué)位授予單位】：國際貿(mào)易經(jīng)濟(jì)合作研究院
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.2;F830.42

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