本文選題：利率市場化　切入點(diǎn)：中間業(yè)務(wù)收入結(jié)構(gòu)　出處：《西安理工大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

【摘要】：中間業(yè)務(wù)是商業(yè)銀行經(jīng)營業(yè)務(wù)的重要組成部分,從二十一世紀(jì)初我國商業(yè)銀行中間業(yè)務(wù)收入占總收入的比重在不斷增加,中間業(yè)務(wù)逐漸成為商業(yè)銀行重要的收入來源之一。近幾年來,隨著利率市場化的不斷推進(jìn),息差在不斷收窄,我國商業(yè)銀行的存貸業(yè)務(wù)受到極大的沖擊,商業(yè)銀行的利潤規(guī)模產(chǎn)生下滑的態(tài)勢。面對這種情況,許多商業(yè)銀行將發(fā)展中間業(yè)務(wù)作為當(dāng)下關(guān)鍵戰(zhàn)略,將中間業(yè)務(wù)收入當(dāng)作重要的利潤支撐點(diǎn)。另一方面,利率市場化的漸進(jìn)同時(shí)伴隨著金融深化,為金融創(chuàng)新提供了豐厚的沃土,也是進(jìn)行中間業(yè)務(wù)產(chǎn)品創(chuàng)新的好時(shí)機(jī)。然而在中間業(yè)務(wù)發(fā)展的過程中,中間業(yè)務(wù)的業(yè)務(wù)重心也同時(shí)發(fā)生轉(zhuǎn)移,由結(jié)算清算類、代理類等傳統(tǒng)業(yè)務(wù)向銀行卡類、電子銀行類、投資銀行類等創(chuàng)新型業(yè)務(wù)轉(zhuǎn)型,同時(shí)擔(dān)保承諾類、貿(mào)易融資類等具有風(fēng)險(xiǎn)的中間業(yè)務(wù)規(guī)模也在不斷擴(kuò)張,因而導(dǎo)致商業(yè)銀行中間業(yè)務(wù)內(nèi)部結(jié)構(gòu)發(fā)生變化,這種變化是否會促進(jìn)商業(yè)銀行改善當(dāng)前經(jīng)營績效成為本文研究的重點(diǎn)。本文將商業(yè)銀行中間業(yè)務(wù)收入結(jié)構(gòu)作為主要研究點(diǎn),依照我國三類商業(yè)銀行2007年-2015年的年度數(shù)據(jù),分析我國商業(yè)銀行中間業(yè)務(wù)收入結(jié)構(gòu)變化規(guī)律。然后從理論角度分析利率市場化、中間業(yè)務(wù)收入結(jié)構(gòu)、經(jīng)營績效三者之間的影響關(guān)系,進(jìn)而運(yùn)用面板數(shù)據(jù)分析方法,從實(shí)證分析利率市場化對商業(yè)銀行中間業(yè)務(wù)收入結(jié)構(gòu)的影響以及中間業(yè)務(wù)收入結(jié)構(gòu)對商業(yè)銀行經(jīng)營績效所產(chǎn)生的影響,剖析其背后所產(chǎn)生的原因,以此來指導(dǎo)商業(yè)銀行在利率市場化的背景之下,如何改善自身的中間業(yè)務(wù)收入結(jié)構(gòu)以達(dá)到改善經(jīng)營績效的目的。
[Abstract]:Intermediary business is an important part of commercial bank business. Since the beginning of 21th century, the proportion of intermediate business income in total income of commercial banks in China has been increasing. Intermediary business has gradually become one of the important sources of income for commercial banks. In recent years, with the continuous promotion of marketization of interest rates, the spread of interest rates has been narrowing, and the deposit and loan business of commercial banks in China has been greatly impacted. The profit scale of commercial banks is declining. Faced with this situation, many commercial banks regard the development of intermediary business as the key strategy and the income of intermediate business as an important supporting point of profits. On the other hand, The gradual development of interest rate marketization is accompanied by financial deepening, which provides rich fertile ground for financial innovation, and is also a good time for intermediate business product innovation. However, in the process of intermediary business development, At the same time, the center of gravity of the intermediary business has also shifted from settlement, clearing, agency and other traditional businesses to innovative business such as bank cards, electronic banking, investment banking, and so on. The scale of such risky intermediate businesses as trade finance is also expanding, which leads to changes in the internal structure of the intermediary business of commercial banks. Whether this kind of change will promote the commercial bank to improve the current management performance becomes the focal point of this paper. This paper regards the income structure of the commercial bank intermediate business as the main research point, according to the annual data of the three kinds of commercial banks from 2007 to 2015 in our country. This paper analyzes the changing law of intermediate business income structure of commercial banks in China, and then analyzes the influence relationship among interest rate marketization, intermediate business income structure and management performance from a theoretical point of view, and then uses panel data analysis method. From the empirical analysis of the impact of marketization of interest rate on the structure of intermediate business income of commercial banks and the impact of the structure of income structure of intermediate business on the performance of commercial banks, the reasons behind it are analyzed. Under the background of interest rate marketization, how to improve the income structure of intermediate business in order to improve the performance of commercial banks.
【學(xué)位授予單位】：西安理工大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.2;F832.5;F830.42

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