本文選題：中小商業(yè)銀行 + 非利息收入　； 參考：《浙江財(cái)經(jīng)大學(xué)》2015年碩士論文

【摘要】：商業(yè)銀行作為經(jīng)營(yíng)貨幣的特殊企業(yè)，同其他一般生產(chǎn)銷售型企業(yè)一樣，運(yùn)作過(guò)程中也追求能夠獲取更多的利潤(rùn)。商業(yè)銀行的營(yíng)業(yè)總收入來(lái)源于利息收入以及非利息收入兩大部分，過(guò)去商業(yè)銀行都是依靠“吸收存款，發(fā)放貸款，從中賺取存貸款利息差價(jià)”的經(jīng)營(yíng)模式來(lái)獲得大部分收入，而且這種獲取收入的方式相對(duì)較為穩(wěn)定、風(fēng)險(xiǎn)也偏小，所以商業(yè)銀行過(guò)去一直都是將大部分精力投入于利息收入業(yè)務(wù)中，主要就是放貸業(yè)務(wù)。 隨著金融改革的進(jìn)一步深化、金融創(chuàng)新的層出不窮、金融脫媒現(xiàn)象的發(fā)生和民營(yíng)資本的介入等，銀行之間以及銀行同其他金融機(jī)構(gòu)之間的競(jìng)爭(zhēng)大大加劇，銀行未來(lái)的生存發(fā)展面臨著巨大挑戰(zhàn)。在這種情況之下，，為了維護(hù)經(jīng)營(yíng)的持續(xù)性，為了保持一定的盈利水平，商業(yè)銀行特別是眾多的中小商業(yè)銀行不得不尋求新的收入來(lái)源渠道。像一些城商行、農(nóng)商行，由于其資金等各方面實(shí)力并不十分雄厚，沒有辦法和大型國(guó)有銀行進(jìn)行競(jìng)爭(zhēng)，中小商業(yè)銀行于是就要憑借自己的優(yōu)勢(shì)項(xiàng)目，開拓多樣化非利息收入業(yè)務(wù)來(lái)充當(dāng)新的收入或利潤(rùn)來(lái)源渠道。 非利息收入業(yè)務(wù)內(nèi)容豐富，是銀行目前以及今后重點(diǎn)發(fā)展的業(yè)務(wù)對(duì)象，銀行在此領(lǐng)域有很大的發(fā)展空間，可以不斷提升其份額來(lái)實(shí)現(xiàn)整體業(yè)務(wù)的多元化經(jīng)營(yíng)目標(biāo)。因?yàn)楦黜?xiàng)具體非利息收入業(yè)務(wù)的收益和風(fēng)險(xiǎn)不同，對(duì)銀行經(jīng)營(yíng)效益的影響也就不同，所以，對(duì)非利息收入進(jìn)行研究具有一定的現(xiàn)實(shí)意義。 本文以三類中小商業(yè)銀行為研究對(duì)象，首先分析了全國(guó)性股份制商業(yè)銀行、城市商業(yè)銀行、農(nóng)村商業(yè)銀行非利息收入及其構(gòu)成在近些年的變化趨勢(shì)，闡述了商業(yè)銀行發(fā)展非利息收入業(yè)務(wù)的必要性或意義，揭示出我國(guó)中小商業(yè)銀行應(yīng)如何開展非利息收入業(yè)務(wù)。然后又對(duì)股權(quán)收益率的六大方面主要影響因素進(jìn)行了分析，重點(diǎn)研究的則是非利息收入與股權(quán)收益率兩者之間的關(guān)系。在第四章實(shí)證分析部分，本文選取了2007—2013年我國(guó)12家全國(guó)性股份制商業(yè)銀行、10家城商行和7家農(nóng)商行為研究對(duì)象，并通過(guò)Bankscope數(shù)據(jù)庫(kù)和商業(yè)銀行官方網(wǎng)站公布的歷年年報(bào)來(lái)獲取本文所需的相關(guān)財(cái)務(wù)數(shù)據(jù)，利用Eviews6.0軟件，分兩節(jié)對(duì)三個(gè)樣本組銀行的非利息收入與股權(quán)收益率之間的關(guān)系，以及非利息收入各構(gòu)成部分與股權(quán)收益率之間的關(guān)系進(jìn)行了面板數(shù)據(jù)回歸分析。實(shí)證結(jié)果表明，非利息收入和股份制銀行、城商行、農(nóng)商行的股權(quán)收益率之間均呈現(xiàn)正相關(guān)關(guān)系，即這三類銀行提高非利息收入在營(yíng)業(yè)收入中的占比對(duì)股權(quán)收益率的增加都有促進(jìn)作用，且三個(gè)樣本組的結(jié)果都通過(guò)了顯著性檢驗(yàn)。另外，非利息收入的各項(xiàng)構(gòu)成部分對(duì)三類銀行股權(quán)收益率的影響不完全相同。對(duì)于股份制銀行，公允價(jià)值變動(dòng)收益對(duì)其股權(quán)收益率有顯著的正向作用，匯兌損益對(duì)股權(quán)收益率有顯著的負(fù)向作用；對(duì)于城商行，投資收益對(duì)其股權(quán)收益率具有顯著的正向作用；對(duì)于農(nóng)商行，手續(xù)費(fèi)及傭金凈收入、匯兌收益對(duì)其股權(quán)收益率有顯著的正向作用。另外，本文還對(duì)實(shí)證研究中得到的結(jié)論做了相應(yīng)的解釋分析。最后，本文根據(jù)實(shí)證結(jié)果進(jìn)行了總結(jié)，就如何進(jìn)一步推動(dòng)我國(guó)中小商業(yè)銀行非利息收入業(yè)務(wù)發(fā)展的問(wèn)題提出了若干建議，也提出了三點(diǎn)研究展望，希望對(duì)后續(xù)的深入研究有所幫助。
[Abstract]:As a special business of operating money, commercial banks, like other general production and sales enterprises, seek to gain more profits in the process of operation. The total business income of commercial banks is derived from two parts of interest income and non interest income. In the past, commercial banks all relied on "absorbing deposits, issuing loans and earning from them." There is a relatively stable way of getting the income, and the risk is relatively small, so the commercial banks used to devote most of their energy to the interest income business, mainly lending.
With the further deepening of the financial reform, the emergence of financial innovation, the emergence of financial disintermediation and the involvement of private capital, the competition between banks and the banks and other financial institutions is greatly intensified, and the future survival and development of the banks are facing great challenges. In this case, to maintain the sustainability of the operation, In order to maintain a certain level of profit, commercial banks, especially a large number of small and medium commercial banks, have to seek new sources of income. Like some cities and commercial banks, agricultural and commercial banks, because their funds and other aspects are not very strong, there is no way to compete with large state-owned banks, and the small and medium commercial banks have to rely on their own advantages. Projects to develop diversified non interest income businesses as new sources of revenue or profit.
The non interest income is rich in business content. It is the business object of the bank's present and future development. The bank has a great development space in this field. It can continuously improve its share to achieve the diversified business objectives of the whole business. Because of the different income and risk of the specific non interest income business, the impact on the efficiency of the bank's operation is different. It is also different. Therefore, the study of non interest income has certain practical significance.
This paper takes three types of small and medium-sized commercial banks as the research object. First, it analyzes the change trend of non interest income and its composition in recent years in national joint-stock commercial banks, urban commercial banks and rural commercial banks, and expounds the necessity or significance of commercial banks to develop non interest income business, and reveals how small and medium commercial banks in China should do. The non interest income business is carried out. Then the main influencing factors of the six aspects of the stock return rate are analyzed. The focus is on the relationship between the non interest income and the stock return rate. In the fourth chapter, the paper selects 12 national joint-stock commercial banks, 10 cities and commercial banks in China from 2007 to 2013. 7 farmers' behavior research object, and through the Bankscope database and the official website published by the official website of commercial bank to obtain the relevant financial data, and use Eviews6.0 software to divide the relationship between the non interest income and the stock return rate of the three samples of the bank, as well as the components and equity of the non interest income. The empirical results show that there is a positive correlation between non interest income and joint-stock banks, urban commercial banks and Agro commercial banks, that is, the three types of banks increase the ratio of non interest income to the increase in the income rate of non interest income, and three The results of the sample group have passed the significance test. In addition, the influence of the non interest income components on the three types of banks' stock returns is not exactly the same. For the shareholding banks, the change income of fair value has a significant positive effect on its share return, and the remittance loss has a significant negative effect on the stock return rate; In the city business, the investment income has a significant positive effect on the stock return rate; for the agricultural commercial bank, the net income of commission and commission, the remittance income has a significant positive effect on its share return. In addition, this paper also makes the corresponding explanation analysis on the conclusions obtained in the empirical study. Finally, this paper has carried out the general results according to the empirical results. In the end, some suggestions on how to further promote the development of non interest income business of small and medium commercial banks in China are put forward, and three research prospects are put forward, which is hoped to be helpful to further further research.
【學(xué)位授予單位】：浙江財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：F832.33;F830.42

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