本文關鍵詞：我國商業(yè)銀行中間業(yè)務的范圍經(jīng)濟效應研究　出處：《江西財經(jīng)大學》2016年碩士論文　論文類型：學位論文

  更多相關文章： 商業(yè)銀行 中間業(yè)務 范圍經(jīng)濟

【摘要】：改革開放30多年來,我國的金融體系在建立健全,金融體制改革也獲得了重大成效。在我國金融機構綜合金融程度不斷加深、金融脫媒化進程加快以及利率市場化逐步深入尤其是我國進入經(jīng)濟新常態(tài)的大背景下,金融行業(yè)傳統(tǒng)的盈利模式難以為繼。與此同時,國內(nèi)商業(yè)銀行還面臨著眾多外資銀行的市場競爭壓力,尤其這些外資銀行具備高端的技術支持和豐富的金融服務經(jīng)驗。國內(nèi)外環(huán)境的變化使國內(nèi)商業(yè)銀行認識到將中間業(yè)務擺在發(fā)展戰(zhàn)略地位刻不容緩。雖然近10余年來我國銀行業(yè)中間業(yè)務的拓展呈現(xiàn)出不斷增長的態(tài)勢,但是中間業(yè)務發(fā)展總體水平和質(zhì)量不高,尤其與發(fā)達國家業(yè)務質(zhì)量相比差距甚遠,比如2012年國內(nèi)中間業(yè)務收入占比尚不到20%,而美國在2004年的中間業(yè)務入占比就已經(jīng)超過45%。因此,探索以非利息收入為主的盈利模式對于提高國內(nèi)銀行業(yè)的范圍經(jīng)濟效應存在十分必要的戰(zhàn)略意義和實際意義。本文旨在探索中間業(yè)務的開展對于銀行業(yè)是否產(chǎn)生范圍經(jīng)濟效應、產(chǎn)生多大的范圍經(jīng)濟效應以及如何提高其范圍經(jīng)濟效應。文章首先對中間業(yè)務以及范圍經(jīng)濟的基本理論做出概述,然后針對國內(nèi)銀行業(yè)中間業(yè)務的發(fā)展現(xiàn)狀和影響原因做出闡述,基于上述分析采用廣義超越對數(shù)成本函數(shù)模型從收益變化的角度進行實證分析,再結合國外銀行業(yè)中間業(yè)務的發(fā)展經(jīng)驗,最后得出結論和政策建議。本文選取和整合2005～2014年15家國內(nèi)商業(yè)銀行的相關資料并做出實證分析,從計量結果可以看出,開展中間業(yè)務將會提高銀行總體的營業(yè)收入,而且研究結果也表明中間業(yè)務的范圍經(jīng)濟效應是存在的。此外,從范圍經(jīng)濟效應程度的角度來看,國有商業(yè)銀行總體上相對更具優(yōu)勢,但是這種差距也在逐漸縮小。
[Abstract]:30 years of reform and opening up, China's financial system in the establishment of a sound, the financial system reform has gained great achievements. In the comprehensive financial deepening degree of China's financial institutions, financial disintermediation and speeding up the process of marketization of interest rate gradually especially the background of China's economy into the new normal under the traditional financial industry difficult to continue profit model. At the same time, the domestic commercial banks are facing the pressure of market competition many foreign banks, especially the foreign banks have technical support of high-end and rich experience in financial services. The changing environment at home and abroad to the domestic commercial banks to realize the strategic position in the development of intermediate business imperative. Although I expand in recent 10 years China banking intermediary business is showing a growing trend, but the overall level of development of intermediary business and the quality is not high, especially with the developed country industry Service quality gap very far, for example, in 2012 the domestic intermediate business income accounted for less than 20%, while the United States in 2004 into the intermediate business accounted for more than 45%. so, to explore the non interest income based profit model for the economic effect of scope to improve the domestic banking industry in the strategic sense is very necessary and practical significance carry out. This paper aims to explore the intermediary business for the banking industry is the economic effect of scope, the scope of economic effect how much and how to improve the economic effect of scope. Firstly, the basic theory of the intermediary business and economy of scope and then make overview of its status and influence to domestic intermediate banking business to make the above analysis. By using the generalized translog cost function model to analyze the change from the income based on the perspective of combining the foreign banking intermediary business The development experience, finally draw conclusions and policy recommendations. This paper selects the relevant data and integration of 2005 ~ 2014 15 domestic commercial banks and make empirical analysis, from the measurement results can be seen that the development of intermediate business of banks will improve the overall revenue, and the range of research on the economic effect of the results also show that the intermediate business is there. In addition, from the point of view of the scope economy effect, the state-owned commercial banks generally relatively more competitive, but the gap is gradually narrowing.

【學位授予單位】：江西財經(jīng)大學
【學位級別】：碩士
【學位授予年份】：2016
【分類號】：F832.2

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本文編號：1373113