【摘要】：自建國以來，我國商業(yè)銀行貸款政策經(jīng)歷了三次大的變革，貸款投向也由高度集中逐漸走向多元化。當(dāng)前，面臨外資銀行以及國內(nèi)非同業(yè)機(jī)構(gòu)的業(yè)務(wù)競爭，各商業(yè)銀行紛紛開展多元化經(jīng)營。但是利息收入仍占商業(yè)銀行收入的主要來源。因此各個(gè)銀行仍將貸款管理作為經(jīng)營管理的重中之重,試圖通過貸款管理提高經(jīng)營效率,在此過程中,我們發(fā)現(xiàn)我國各商業(yè)銀行貸款的投向愈來愈多元，幾乎所有的大中型銀行在貸款投向上均涉及各個(gè)行業(yè)、各個(gè)地區(qū)及各個(gè)不同的客戶，貸款多元化能否改善我國商業(yè)銀行績效成為新的關(guān)注點(diǎn)。 本文首先從理論上分析了貸款多元化對(duì)我國商業(yè)銀行績效的影響，，而后對(duì)我國商業(yè)銀行貸款多元化的現(xiàn)狀分析發(fā)現(xiàn)我國商業(yè)銀行貸款結(jié)構(gòu)已呈現(xiàn)出多元化的趨勢。在此分析的基礎(chǔ)上進(jìn)行了實(shí)證分析：我國15家上市商業(yè)銀行貸款多元化對(duì)其經(jīng)營績效的影響。分析結(jié)果顯示：商業(yè)銀行貸款地區(qū)多元化不但可以增加商業(yè)銀行資本實(shí)力和經(jīng)營風(fēng)險(xiǎn)抵御能力，還可以降低商業(yè)銀行的經(jīng)營風(fēng)險(xiǎn)，即可以改善商業(yè)銀行經(jīng)營績效。
[Abstract]:Since the founding of the people's Republic of China, China's commercial bank loan policy has undergone three major changes, and the loan investment has gradually changed from highly centralized to diversified. At present, faced with the competition of foreign banks and domestic non-banks, commercial banks have diversified operation. But interest income still accounts for the main source of commercial bank income. Therefore, each bank still regards the loan management as the most important part of the management, trying to improve the management efficiency through the loan management. In the process, we find that the investment of the commercial bank loans in our country is more and more. Almost all the large and medium-sized banks are involved in various industries, regions and different customers. Whether the diversification of loans can improve the performance of commercial banks has become a new concern. This paper firstly analyzes the influence of loan diversification on the performance of commercial banks in China, and then finds that the loan structure of commercial banks in our country has shown a trend of diversification by analyzing the present situation of loan diversification of commercial banks in China. On the basis of this analysis, this paper makes an empirical analysis: the influence of loan diversification on the performance of 15 listed commercial banks in China. The results show that the regional diversification of commercial bank loans can not only increase the capital strength and management risk resistance of commercial banks, but also reduce the operational risks of commercial banks, that is, to improve the performance of commercial banks.
【學(xué)位授予單位】：暨南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.4

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