非利息收入对我国商业银行绩效影响实证研究

发布时间：2018-01-24 05:09

本文关键词： 商业银行非利息业务经营绩效　出处：《辽宁大学》2013年硕士论文　论文类型：学位论文

【摘要】：资产业务、负债业务和中间业务是商业银行三大收入的主要来源。20世纪90年代以来，市场竞争压力以及监管环境方面的变化，使得商业银行的未来发展之路更加的具有波动性。面对这一情况的变化，商业银行不得不改变其利息收入独大的收入结构，从而有计划、有步骤的开展非利息业务。西方商业银行已纷纷通过多元化、综合化经营，大力拓展投资银行、证券经纪、保险代理、基金代售等业务，使非利息收入得到空前发展。反观中国银行业，由于现代商业银行的体制完善的晚，商业银行非利息收入对总收入的贡献程度还并不是很高。随着改革开放和金融体制改革的进一步深入，以及受金融脱媒现象等因素的影响，单纯依靠利息收入已经不能维持原有的盈利水平。面对这一经营环境的变化，各商业银行越来越重视非利息业务，纷纷制定各种发展非利息业务的战略，，采取多项措施推动非利息业务的发展。然而，非利息业务能否有效的提高商业银行的绩效还是个值得探讨研究的问题。在这样的现实和背景下，本文希望能通过对我国商业银行数据的分析，找出非利息收入与商业银行的收益和非利息业务之间的依存关系和发展规律，为银行在发展非利息业务的过程中，提供有益的参考。在具体的研究方法上，本文选取了5家国有商业银行和7家股份制商业银行作为研究对象，利用各商业银行网站公布的2001年至2011年的数据资料以及国家统计局网站上的数据资料。通过建立面板数据模型对我国商业银行非利息收入与绩效之间的关系进行了实证分析，得出如下结论：不论是国有商业银行还是股份制商业银行，提高非利息收入的比重对商业银行经营绩效的增加都具有正的效应，且国有商业银行组的非利息收入占比对银行绩效的影响要高于股份制商业银行组的非利息收入占比对银行绩效的贡献。这是由于股份制商业银行非利息收入的拓展更依赖于营业成本的投入，很难为股份制商业银行带来更高的收益率。所以，商业银行在扩大非利息收入的同时，要注意控制成本，这样才能实现利润的增长。
[Abstract]:Asset business, liability business and intermediate business are the three main sources of income of commercial banks since 90s, the market competition pressure and regulatory environment changes. It makes the future development of commercial banks more volatile. Facing the change of this situation, commercial banks have to change their income structure of interest income, so they have a plan. Western commercial banks have expanded investment banking, securities brokerage, insurance agents, fund sales and other business through diversification, comprehensive management, and so on. The development of non-interest income is unprecedented. On the other hand, due to the late perfection of the modern commercial bank system, the contribution of non-interest income to the total income of commercial banks is not very high. With the further deepening of reform and opening up and financial system reform. As well as the influence of financial disintermediation phenomenon, simply relying on interest income can not maintain the original level of profit. Facing the change of operating environment, commercial banks pay more and more attention to non-interest business. Many strategies have been made to develop non-interest business, and many measures have been taken to promote the development of non-interest business. However, whether non-interest business can effectively improve the performance of commercial banks is still a question worth studying. In such a reality and background, this paper hopes to find out the dependence and development law between non-interest income and the income and non-interest business of commercial banks through the analysis of the data of commercial banks in China. In the specific research methods, this paper selects 5 state-owned commercial banks and 7 joint-stock commercial banks as the research object. Using the data from 2001 to 2011 published on the websites of commercial banks and the data on the website of the National Bureau of Statistics, this paper discusses the non-interest income and performance of commercial banks in China through the establishment of panel data model. The relationship between the empirical analysis. The conclusion is as follows: whether state-owned commercial banks or joint-stock commercial banks, increasing the proportion of non-interest income has a positive effect on the increase of commercial banks' operating performance. Moreover, the proportion of non-interest income of state-owned commercial banks to bank performance is higher than that of joint-stock commercial banks. This is due to the extension of non-interest income of joint-stock commercial banks. The exhibition relies more on the input of operating cost. It is difficult to bring higher yield for joint-stock commercial banks. Therefore, commercial banks should pay attention to cost control while expanding non-interest income, in order to achieve profit growth.
【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.2;F832.33

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