城镇化对商业银行经营绩效的影响及应对对策

发布时间：2018-04-04 06:49

本文选题：城镇化　切入点：商业银行　出处：《山东大学》2016年硕士论文

【摘要】：经营绩效是对一定时期内企业经营状况的综合评价,商业银行作为金融市场上的重要参与者,如何提高商业银行的经营绩效一直都是银行业甚至整个金融行业关注的热点话题。近几年来,学术界对商业银行经营绩效有了更多的研究,如银行规模、贷款结构、中间业务、股权结构等对银行绩效的影响。本文在已有学者研究的理论框架基础上,从商业银行盈利性、安全性、流动性三个方面研究了城镇化对商业银行经营绩效的影响。首先,在城镇化进程不断推进的背景下,基础设施类金融服务需求、居民消费信贷需求、投资理财方面的资产管理需求以及中小企业小额贷款需求必然增加,因此,城镇化拓宽了商业银行传统存贷款业务以及非利息收入业务的渠道,增加了商业银行的盈利性。其次,基础设施贷款业务是以政府信用为担保,贷款违约风险低,降低了不良贷款率,提高了商业银行经营的安全性。最后,城镇人口收入的增加使得商业银行储蓄存款增加,资本充足率提高,这在一定程度上增加了商业银行经营的流动性。因此,城镇化的推进给商业银行经营绩效的提高带来了重大的机遇,研究城镇化对商业银行经营绩效的影响具有重要现实意义。本文通过理论和实证分析相结合的方法,首先介绍了城镇化现状,以及目前我国商业银行经营绩效的状况,然后从商业银行盈利性、安全性、流动性三个方面理论分析了城镇化对商业银行经营绩效的影响机制,进而选取了全国10家代表性商业银行的财务数据,实证分析了城镇化对我国商业银行经营绩效的影响,得出城镇化对我国商业银行经营绩效的提高有正向作用,最后本文给出了城镇化进程中商业银行如何提高经营绩效的相关对策,从而使得商业银行在积极推进城镇化的同时,更大程度的提高了自身的经营绩效,实现城镇化建设与商业银行快速发展的良性互动。
[Abstract]:As an important participant in the financial market, how to improve the management performance of commercial banks has always been a hot topic in banking and even the whole financial industry.In recent years, the academic community has more research on the performance of commercial banks, such as bank size, loan structure, intermediary business, equity structure and so on.Based on the existing theoretical framework, this paper studies the impact of urbanization on the performance of commercial banks from three aspects: profitability, security and liquidity.First of all, in the context of the continuous advancement of the urbanization process, the demand for infrastructure financial services, consumer credit demand, asset management demand for investment and financial management and the demand for small and medium-sized loans for small and medium-sized enterprises are bound to increase.Urbanization broadens the channels of traditional deposit and loan business and non-interest income business of commercial banks and increases the profitability of commercial banks.Secondly, the infrastructure loan business is guaranteed by the government credit, the loan default risk is low, the non-performing loan rate is reduced, and the security of commercial bank management is improved.Finally, the increase of urban population income leads to the increase of savings deposits and capital adequacy ratio of commercial banks, which to some extent increases the liquidity of commercial banks.Therefore, the promotion of urbanization has brought great opportunities for the improvement of commercial banks' business performance, and it is of great practical significance to study the impact of urbanization on the performance of commercial banks.Through the combination of theory and empirical analysis, this paper first introduces the current situation of urbanization, and the current operating performance of commercial banks in China, and then from the commercial banks profitability, security,This paper analyzes the influence mechanism of urbanization on the management performance of commercial banks in three aspects of liquidity, and then selects the financial data of 10 representative commercial banks in China, and empirically analyzes the impact of urbanization on the operating performance of commercial banks in China.It is concluded that urbanization has a positive effect on the improvement of commercial banks' business performance in China. Finally, this paper gives the relevant countermeasures on how to improve the management performance of commercial banks in the process of urbanization, so that commercial banks can actively promote urbanization at the same time.To a greater extent, improve their own business performance, the realization of urbanization and the rapid development of commercial banks benign interaction.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.33;F299.21

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