商业银行服务外包对银行绩效的影响

发布时间：2018-01-12 00:06

本文关键词：商业银行服务外包对银行绩效的影响　出处：《南京师范大学》2013年硕士论文　论文类型：学位论文

【摘要】：关注放在技术创新、业务创新等方面。随着信息、通讯技术的迅速发展以及金融市场开放度的不断提高,金融服务外包这一经济现象备受瞩目,商业银行服务外包做为金融服务外包的主要组成部分近年来迅速发展。银行服务外包的实质在于截取企业价值链中的高利润环节,缩小其经营范围,将有限资源集中配置在企业的强势领域,以突出银行的竞争优势,降低经营成本。本文研究的重点在于分析了我国商业银行服务外包对银行绩效的影响。文章紧紧围绕着我国商业银行服务外包活动和银行绩效变化现状这两个方面,采用规范与实证相结合的研究方法。首先从交易费用理论、价值链理论、核心竞争力理论三个角度分析商业银行服务外包对银行绩效的影响机制,并且将银行绩效分解为成本效率、盈利能力、安全稳定性三个方面,进而分别具体研究商业银行服务外包对银行绩效各方面的影响路径；然后选取我国13家商业银行2001-2010年的面板数据进行实证分析,检验三种作用路径下银行服务外包对其绩效的积极影响,实证结果表明：商业银行金融服务外包对银行盈利能力短期有负面影响,但长期具有积极影响；对银行成本效率短期影响不显著,长期有正面影响；对银行的安全稳定性短期影响不显著,长期具有正向影响；肯定商业银行发展服务外包的积极作用。最后在此研究的基础上,针对我国商业银行服务外包发展中的不足,提出了相关政策建议,指出如何利用服务外包这一新型战略,促进我国商业银行绩效的提升。
[Abstract]:With the rapid development of information and communication technology and the continuous improvement of financial market openness, the economic phenomenon of financial service outsourcing has attracted much attention. Commercial bank service outsourcing as the main component of financial service outsourcing has developed rapidly in recent years. The essence of banking service outsourcing is to intercept the high-profit link in the enterprise value chain and narrow its business scope. In order to highlight the competitive advantages of banks and reduce operating costs, limited resources are concentrated in the strong areas of enterprises. The focus of this study is to analyze the impact of commercial bank service outsourcing on bank performance. The article closely revolves around the commercial bank service outsourcing activities and the current situation of bank performance changes. First of all, from the perspective of transaction cost theory, value chain theory and core competitiveness theory, this paper analyzes the influence mechanism of commercial bank service outsourcing on bank performance from three angles: transaction cost theory, value chain theory and core competitiveness theory. And the bank performance is decomposed into three aspects: cost efficiency, profitability, safety and stability, and then the impact of commercial bank service outsourcing on bank performance is studied in detail. Then, the panel data of 13 commercial banks in China from 2001 to 2010 are selected to test the positive impact of bank service outsourcing on its performance. The empirical results show that: commercial bank financial service outsourcing has a negative impact on the profitability of banks in the short term, but has a positive impact in the long run; The short-term impact on the cost efficiency of banks is not significant, but has a positive impact in the long run. The short-term effect on the safety and stability of banks is not significant, but it has a positive effect in the long run. Confirm the positive role of commercial banks in the development of service outsourcing. Finally, on the basis of this study, in view of the deficiencies in the development of service outsourcing of commercial banks in China, put forward the relevant policy recommendations. This paper points out how to use the new strategy of service outsourcing to promote the performance of commercial banks in China.
【学位授予单位】：南京师范大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33

【参考文献】