國有商業(yè)銀行中間業(yè)務發(fā)展?jié)摿ρ芯?/H1>
發(fā)布時間：2018-03-06 05:29
本文選題：國有商業(yè)銀行 切入點：中間業(yè)務 出處：《安徽財經(jīng)大學》2017年碩士論文 論文類型：學位論文
【摘要】：隨著金融改革步伐的推進、利率市場化的基本完成以及金融脫媒日漸顯著,這在一程度上沖擊了商業(yè)銀行在金融中介的地位,挑戰(zhàn)了商業(yè)銀行傳統(tǒng)存貸業(yè)務,特別是面對這種嚴峻的金融形勢,商業(yè)銀行的整體利潤增速下滑明顯,其僅僅依靠傳統(tǒng)存貸利差獲得穩(wěn)定的收益已經(jīng)非常困難。中間業(yè)務由于占用資金少、成本低以及收益高等自身優(yōu)勢,商業(yè)銀行逐漸由依賴傳統(tǒng)的經(jīng)營模式向中間業(yè)務傾斜,成為商業(yè)銀行獲取競爭優(yōu)勢的有利工具。數(shù)據(jù)顯示,近些年商業(yè)銀行中間業(yè)務凈收入逐步提高,但在中間業(yè)務業(yè)務占比和中間業(yè)務增速上呈現(xiàn)差異化趨勢,上市商業(yè)銀行在中間業(yè)務的發(fā)展上有著不同的表現(xiàn)。本文在理論鋪墊的基礎上,圍繞資源因素、經(jīng)營能力、管理效率和外部環(huán)境四個方面設置中間業(yè)務發(fā)展?jié)摿Φ脑u價指標體系,選取五大國有商業(yè)銀行,結合股份商業(yè)銀行和城市商業(yè)銀行對國有商業(yè)銀行中間業(yè)務發(fā)展?jié)摿︖M行描述性統(tǒng)計分析,其次,運用主成分分析法實證分析國有商業(yè)銀行中間業(yè)務發(fā)展?jié)摿Φ拇笮?為了進一步反映其中間業(yè)務發(fā)展?jié)摿?并與其他上市商業(yè)銀行進行實證結果對比。研究表明,國有商業(yè)銀行中間業(yè)務發(fā)展?jié)摿φw水平較高,但是具體分析可知其盈利能力、創(chuàng)新能力、人力資源和風險控制方面較為不足。最后,針對研究結果,在業(yè)務轉型、業(yè)務創(chuàng)新、人才培養(yǎng)、個性化服務等幾個方面提出相關建議。
[Abstract]:With the development of financial reform, the basic completion of interest rate liberalization and financial disintermediation become more and more significant, which to a certain extent impacts the position of commercial banks in financial intermediation and challenges the traditional deposit and loan business of commercial banks. Especially in the face of this severe financial situation, the overall profit growth rate of commercial banks has declined obviously. It is very difficult for commercial banks to obtain stable returns only by relying on traditional deposit and loan spreads. With the advantages of low cost and high income, commercial banks have gradually shifted from relying on the traditional business model to intermediate business, which has become a favorable tool for commercial banks to gain competitive advantage. In recent years, the net income of intermediate business of commercial banks has gradually increased, but the proportion of intermediate business and the growth rate of intermediate business show a trend of differentiation. Listed commercial banks have different performances in the development of intermediary business. Set up the evaluation index system of intermediate business development potential in four aspects of management efficiency and external environment, select five state-owned commercial banks, Combining the stock commercial bank and the city commercial bank to carry on the descriptive statistical analysis to the state-owned commercial bank intermediate business development potential, secondly, uses the principal component analysis method to analyze the state-owned commercial bank intermediate business development potential magnitude empirically. In order to further reflect its intermediate business development potential, and compare with the empirical results of other listed commercial banks, the study shows that the overall level of intermediate business development potential of state-owned commercial banks is relatively high, but the specific analysis shows that the profitability of the intermediary business development potential of state-owned commercial banks is higher than that of other listed commercial banks. Innovation ability, human resources and risk control are relatively insufficient. Finally, in view of the research results, in the business transformation, business innovation, talent training, personalized services and other aspects of the relevant suggestions.
【學位授予單位】：安徽財經(jīng)大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F832.2
【參考文獻】
相關期刊論文 前10條
1 羅勇成;黃秋慧;;銀行業(yè)中間業(yè)務的發(fā)展環(huán)境、現(xiàn)狀與趨勢分析[J];西南金融;2016年12期
2 陳一洪;;我國大型城市商業(yè)銀行中間業(yè)務發(fā)展績效研究[J];南方金融;2015年02期
3 劉志國;;企業(yè)發(fā)展?jié)摿υu價指標體系的構建[J];經(jīng)濟研究導刊;2014年10期
4 李曉朦;;建設銀行中間業(yè)務發(fā)展影響因素的實證研究[J];南華大學學報(社會科學版);2014年01期
5 李俊成;;論商業(yè)銀行中間業(yè)務的現(xiàn)狀與發(fā)展趨勢[J];財務與金融;2014年01期
6 劉曉飛;;我國大型商業(yè)銀行競爭力評價研究[J];中國集體經(jīng)濟;2014年05期
7 盧明德;;工行中間業(yè)務現(xiàn)存問題與增收潛力研究[J];理論觀察;2013年08期
8 陳胡青;;我國商業(yè)銀行中間業(yè)務發(fā)展研究——基于2010～2011年我國14家商業(yè)銀行中間業(yè)務收入的分析[J];金融與經(jīng)濟;2012年06期
9 唐菁菁;孫靈剛;;中美商業(yè)銀行中間業(yè)務的創(chuàng)新機制研究[J];南方金融;2012年01期
10 赫國勝;李東;;我國上市商業(yè)銀行可持續(xù)發(fā)展測度與比較[J];東北大學學報(社會科學版);2012年01期
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本文編號：1573538
本文鏈接：http://sikaile.net/jingjilunwen/huobiyinxinglunwen/1573538.html
本文選題：國有商業(yè)銀行 切入點：中間業(yè)務 出處：《安徽財經(jīng)大學》2017年碩士論文 論文類型：學位論文
【摘要】：隨著金融改革步伐的推進、利率市場化的基本完成以及金融脫媒日漸顯著,這在一程度上沖擊了商業(yè)銀行在金融中介的地位,挑戰(zhàn)了商業(yè)銀行傳統(tǒng)存貸業(yè)務,特別是面對這種嚴峻的金融形勢,商業(yè)銀行的整體利潤增速下滑明顯,其僅僅依靠傳統(tǒng)存貸利差獲得穩(wěn)定的收益已經(jīng)非常困難。中間業(yè)務由于占用資金少、成本低以及收益高等自身優(yōu)勢,商業(yè)銀行逐漸由依賴傳統(tǒng)的經(jīng)營模式向中間業(yè)務傾斜,成為商業(yè)銀行獲取競爭優(yōu)勢的有利工具。數(shù)據(jù)顯示,近些年商業(yè)銀行中間業(yè)務凈收入逐步提高,但在中間業(yè)務業(yè)務占比和中間業(yè)務增速上呈現(xiàn)差異化趨勢,上市商業(yè)銀行在中間業(yè)務的發(fā)展上有著不同的表現(xiàn)。本文在理論鋪墊的基礎上,圍繞資源因素、經(jīng)營能力、管理效率和外部環(huán)境四個方面設置中間業(yè)務發(fā)展?jié)摿Φ脑u價指標體系,選取五大國有商業(yè)銀行,結合股份商業(yè)銀行和城市商業(yè)銀行對國有商業(yè)銀行中間業(yè)務發(fā)展?jié)摿︖M行描述性統(tǒng)計分析,其次,運用主成分分析法實證分析國有商業(yè)銀行中間業(yè)務發(fā)展?jié)摿Φ拇笮?為了進一步反映其中間業(yè)務發(fā)展?jié)摿?并與其他上市商業(yè)銀行進行實證結果對比。研究表明,國有商業(yè)銀行中間業(yè)務發(fā)展?jié)摿φw水平較高,但是具體分析可知其盈利能力、創(chuàng)新能力、人力資源和風險控制方面較為不足。最后,針對研究結果,在業(yè)務轉型、業(yè)務創(chuàng)新、人才培養(yǎng)、個性化服務等幾個方面提出相關建議。
[Abstract]:With the development of financial reform, the basic completion of interest rate liberalization and financial disintermediation become more and more significant, which to a certain extent impacts the position of commercial banks in financial intermediation and challenges the traditional deposit and loan business of commercial banks. Especially in the face of this severe financial situation, the overall profit growth rate of commercial banks has declined obviously. It is very difficult for commercial banks to obtain stable returns only by relying on traditional deposit and loan spreads. With the advantages of low cost and high income, commercial banks have gradually shifted from relying on the traditional business model to intermediate business, which has become a favorable tool for commercial banks to gain competitive advantage. In recent years, the net income of intermediate business of commercial banks has gradually increased, but the proportion of intermediate business and the growth rate of intermediate business show a trend of differentiation. Listed commercial banks have different performances in the development of intermediary business. Set up the evaluation index system of intermediate business development potential in four aspects of management efficiency and external environment, select five state-owned commercial banks, Combining the stock commercial bank and the city commercial bank to carry on the descriptive statistical analysis to the state-owned commercial bank intermediate business development potential, secondly, uses the principal component analysis method to analyze the state-owned commercial bank intermediate business development potential magnitude empirically. In order to further reflect its intermediate business development potential, and compare with the empirical results of other listed commercial banks, the study shows that the overall level of intermediate business development potential of state-owned commercial banks is relatively high, but the specific analysis shows that the profitability of the intermediary business development potential of state-owned commercial banks is higher than that of other listed commercial banks. Innovation ability, human resources and risk control are relatively insufficient. Finally, in view of the research results, in the business transformation, business innovation, talent training, personalized services and other aspects of the relevant suggestions.
【學位授予單位】：安徽財經(jīng)大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F832.2
【參考文獻】
相關期刊論文 前10條
1 羅勇成;黃秋慧;;銀行業(yè)中間業(yè)務的發(fā)展環(huán)境、現(xiàn)狀與趨勢分析[J];西南金融;2016年12期
2 陳一洪;;我國大型城市商業(yè)銀行中間業(yè)務發(fā)展績效研究[J];南方金融;2015年02期
3 劉志國;;企業(yè)發(fā)展?jié)摿υu價指標體系的構建[J];經(jīng)濟研究導刊;2014年10期
4 李曉朦;;建設銀行中間業(yè)務發(fā)展影響因素的實證研究[J];南華大學學報(社會科學版);2014年01期
5 李俊成;;論商業(yè)銀行中間業(yè)務的現(xiàn)狀與發(fā)展趨勢[J];財務與金融;2014年01期
6 劉曉飛;;我國大型商業(yè)銀行競爭力評價研究[J];中國集體經(jīng)濟;2014年05期
7 盧明德;;工行中間業(yè)務現(xiàn)存問題與增收潛力研究[J];理論觀察;2013年08期
8 陳胡青;;我國商業(yè)銀行中間業(yè)務發(fā)展研究——基于2010～2011年我國14家商業(yè)銀行中間業(yè)務收入的分析[J];金融與經(jīng)濟;2012年06期
9 唐菁菁;孫靈剛;;中美商業(yè)銀行中間業(yè)務的創(chuàng)新機制研究[J];南方金融;2012年01期
10 赫國勝;李東;;我國上市商業(yè)銀行可持續(xù)發(fā)展測度與比較[J];東北大學學報(社會科學版);2012年01期
，本文編號：1573538
本文鏈接：http://sikaile.net/jingjilunwen/huobiyinxinglunwen/1573538.html
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