本文選題：利率市場(chǎng)化 + 中小上市銀行��； 參考：《華僑大學(xué)》2017年碩士論文

【摘要】：目前,我國(guó)經(jīng)濟(jì)發(fā)展已進(jìn)入了新常態(tài),經(jīng)濟(jì)結(jié)構(gòu)正發(fā)生深度調(diào)整,經(jīng)濟(jì)增速緩慢。我國(guó)的利率市場(chǎng)化改革的收官就是在此大背景下推進(jìn)的,這使我國(guó)中小上市銀行以利差收入為主的傳統(tǒng)盈利模式受到極大的沖擊,我國(guó)銀行業(yè)未來(lái)的競(jìng)爭(zhēng)更加激烈。相比大型國(guó)有銀行,中小上市銀行資本規(guī)模小,更依賴?yán)钍杖?面臨的風(fēng)險(xiǎn)與機(jī)遇更為突出。因此,在利率市場(chǎng)化逐步完善的背景下,中小上市銀行應(yīng)如何尋求盈利模式的轉(zhuǎn)變來(lái)保證其穩(wěn)定的收益,實(shí)現(xiàn)可持續(xù)健康發(fā)展,至關(guān)重要。本文采用多種分析工具,深入分析了利率市場(chǎng)化下我國(guó)中小上市銀行盈利模式的現(xiàn)狀與存在的問(wèn)題。現(xiàn)狀具體體現(xiàn)為:凈利息收入占比較高;中間業(yè)務(wù)雖然呈增長(zhǎng)趨勢(shì),但占比偏低;利息收入對(duì)存貸業(yè)務(wù)依賴性較大;中間業(yè)務(wù)發(fā)展滯后,仍以傳統(tǒng)的業(yè)務(wù)為主。存在的問(wèn)題主要體現(xiàn)在傳統(tǒng)業(yè)務(wù)受到?jīng)_擊;不良貸款率攀升增加了信用風(fēng)險(xiǎn);中間業(yè)務(wù)同質(zhì)化嚴(yán)重;為了收益而盲目擴(kuò)張。同時(shí),總結(jié)了利率市場(chǎng)化對(duì)中小上市銀行的積極影響和消極影響。積極影響體現(xiàn)為促進(jìn)其公平競(jìng)爭(zhēng)、優(yōu)化業(yè)務(wù)結(jié)構(gòu)、完善管理機(jī)制和推動(dòng)金融創(chuàng)新;消極影響體現(xiàn)為沖擊其經(jīng)營(yíng)發(fā)展、客戶結(jié)構(gòu)、定價(jià)能力,增加風(fēng)險(xiǎn)和加大資產(chǎn)負(fù)債管理的難度。在把中小上市銀行的樣本劃分為股份制銀行和城市商業(yè)銀行的基礎(chǔ)上,以2008-2016年最新年報(bào)的季度數(shù)據(jù)為樣本,運(yùn)用面板數(shù)據(jù)模型進(jìn)行系統(tǒng)實(shí)證分析。結(jié)果表明利率市場(chǎng)化可以促進(jìn)中小上市銀行盈利模式的轉(zhuǎn)型,它對(duì)城商行盈利模式的影響要大于股份制銀行;存貸比的提高、貨幣供應(yīng)量增加、成本收入比降低對(duì)中小上市銀行盈利模式具有積極影響;但中小上市銀行資產(chǎn)規(guī)模的擴(kuò)大、不良貸款率的提升對(duì)其盈利模式的轉(zhuǎn)型具有負(fù)面影響。最后較詳細(xì)地歸納研究結(jié)論,并對(duì)利率市場(chǎng)化下中小上市銀行盈利模式的轉(zhuǎn)型提出了建議。具體包括:實(shí)施差異化經(jīng)營(yíng)策略、創(chuàng)新傳統(tǒng)業(yè)務(wù)盈利模式、提升風(fēng)險(xiǎn)管控能力、加強(qiáng)資產(chǎn)負(fù)債的有效管理和提高資產(chǎn)定價(jià)能力。
[Abstract]:At present, China's economic development has entered the new normal, the economic structure is undergoing deep adjustment, the economic growth rate is slow.The closing officer of interest rate marketization reform in our country is pushed forward under this background, which makes the traditional profit mode of medium and small listed banks with interest rate difference income as the main subject, and the competition of our country's banking industry in the future is more intense.Compared with large state-owned banks, medium and small listed banks have smaller capital size, more reliance on interest income, and more prominent risks and opportunities.Therefore, under the background of interest rate marketization, it is very important for small and medium-sized listed banks to seek the transformation of profit mode to ensure their stable income and realize sustainable and healthy development.This paper analyzes the current situation and existing problems of the profit model of the small and medium-sized listed banks in China under the interest rate marketization by using a variety of analytical tools.The current situation is as follows: the net interest income is relatively high; although the intermediate business is growing, but the proportion is low; the interest income is more dependent on the deposit and loan business; the development of intermediate business is lagging behind, and the traditional business is still the main business.The existing problems are mainly reflected in the impact on the traditional business; the increase of non-performing loan ratio increases the credit risk; the homogeneity of intermediate business is serious; and the blind expansion for profit.At the same time, it summarizes the positive and negative effects of interest rate marketization on medium and small listed banks.The positive impact is to promote its fair competition, optimize its business structure, perfect its management mechanism and promote financial innovation, while its negative effects are reflected in its impact on its business development, customer structure and pricing ability.Increase risk and increase the difficulty of asset liability management.On the basis of dividing the sample of medium and small listed banks into joint-stock banks and city commercial banks, this paper takes the quarterly data of the latest annual report of 2008-2016 as the sample, and uses panel data model to carry out systematic empirical analysis.The results show that the marketization of interest rate can promote the transformation of the profit mode of the small and medium-sized listed banks, and its influence on the profit model of the city commercial banks is greater than that of the joint-stock banks, and the increase of deposit / loan ratio, the increase of the money supply,The reduction of cost-income ratio has a positive impact on the profit model of the small and medium-sized listed banks, but the expansion of the assets of the small and medium-sized listed banks and the increase of the non-performing loan ratio have a negative impact on the transformation of the profit model.Finally, the conclusion of the study is summarized in detail, and some suggestions are put forward for the transformation of profit mode of small and medium-sized listed banks under the interest rate marketization.It includes: implementing the strategy of differentiated management, innovating the traditional business profit model, improving the ability of risk management, strengthening the effective management of assets and liabilities and improving the ability of asset pricing.
【學(xué)位授予單位】：華僑大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類(lèi)號(hào)】：F832.5;F832.33;F830.42

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