电子银行业务对我国商业银行绩效影响的分析
发布时间：2018-07-14 14:16
【摘要】：随着经济全球化的发展和金融体制改革的逐步深入,传统存贷款业务形成的利差收入作为商业银行的主要利润来源,其利润空间逐渐被压缩,大型商业银行的利息净收入的增长率普遍下降,下降最严重的是交通银行,从2010年的27.7%下降到2014年的3.2%。而基于新兴信息技术的电子银行业务,凭借其快捷、方便、功能丰富等特性,逐渐被越来越多的用户所认可,其柜台业务替代率也是逐年迅速增加,目前平均柜面替代率已高达81.9%,对商业银行经营利润的贡献度愈发显著。电子银行业务对商业银行业绩有贡献是显而易见的,但现阶段电子银行业务发展也存在一定的制约因素。电子银行业务对技术环境要求相对较高、前期投入大、与传统业务有效整合困难、客户群接受程度不一等问题的存在,使得电子银行业务的优势还没有完全显现。因此,现阶段电子银行业务对商业银行绩效的贡献程度如何,就成为各商业银行当前最关心的问题之一,这也是本文的研究目的。国内外相关文献的研究大多集中于股权结构、银行规模、市场结构、财务指标对商业银行绩效的影响,面对电子银行业务逐渐替代银行柜面业务的大背景,十分有必要深入剖析这种业务结构调整对银行绩效的影响。因此本文主要通过将电子银行业务纳入到商业银行绩效评价体系中,分析电子银行业务对我国商业银行绩效的影响。本文分析电子银行业务的现状,并通过分析电子银行业务对手续费及佣金收入的影响以及手续费及佣金收入变动对营业收入的影响,从而间接得出电子银行业务对银行营业收入的影响现状。在此基础上,通过DEA方法将电子银行业务收入作为其中一项投入指标,实证分析电子银行业务对我国商业银行的绩效影响,并对我国商业银行如何改善和发展电子银行业务以提高自身绩效提出建议。
[Abstract]:With the development of economic globalization and the deepening of financial system reform, the profit space of traditional deposit and loan business, which is the main profit source of commercial banks, has been gradually compressed. Net interest income growth at large commercial banks generally fell, with the biggest drop being at Bank of Communications, which fell from 27.7 percent in 2010 to 3.2 percent in 2014. The electronic banking business based on the new information technology has been recognized by more and more users by virtue of its fast, convenient and rich functions, and the replacement rate of its counter business is also increasing rapidly year by year. At present, the average counter substitution rate is as high as 81.9%, and the contribution to commercial banks' operating profit is becoming more and more significant. The contribution of electronic banking to the performance of commercial banks is obvious, but there are some restrictive factors in the development of electronic banking. Due to the relatively high requirements of the technical environment, the large investment in the early stage, the difficulty of effective integration with the traditional business and the different acceptance of the customer base, the advantages of the electronic banking business have not been fully displayed. Therefore, at present, the contribution of electronic banking to the performance of commercial banks has become one of the most concerned issues of commercial banks, which is also the purpose of this paper. Most of the domestic and foreign literature focus on equity structure, bank size, market structure, financial indicators on the performance of commercial banks, in the face of electronic banking business gradually replace the large background of bank counter business. It is necessary to analyze the effect of this kind of business structure adjustment on bank performance. So this paper mainly analyzes the effect of electronic banking on the performance of commercial banks in China through the integration of electronic banking into the performance evaluation system of commercial banks. This paper analyzes the current situation of electronic banking business, and analyzes the impact of electronic banking business on fees and commission income, as well as the impact of changes in fees and commission income on operating income. Thus indirectly obtains the electronic banking business to the bank operating income influence present situation. On the basis of this, we take the income of electronic banking as one of the input indicators through DEA method, and empirically analyze the effect of electronic banking on the performance of commercial banks in China. Suggestions on how to improve and develop electronic banking business in order to improve their own performance are put forward.
【学位授予单位】：杭州电子科技大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.2;F724.6
本文编号：2121910
[Abstract]:With the development of economic globalization and the deepening of financial system reform, the profit space of traditional deposit and loan business, which is the main profit source of commercial banks, has been gradually compressed. Net interest income growth at large commercial banks generally fell, with the biggest drop being at Bank of Communications, which fell from 27.7 percent in 2010 to 3.2 percent in 2014. The electronic banking business based on the new information technology has been recognized by more and more users by virtue of its fast, convenient and rich functions, and the replacement rate of its counter business is also increasing rapidly year by year. At present, the average counter substitution rate is as high as 81.9%, and the contribution to commercial banks' operating profit is becoming more and more significant. The contribution of electronic banking to the performance of commercial banks is obvious, but there are some restrictive factors in the development of electronic banking. Due to the relatively high requirements of the technical environment, the large investment in the early stage, the difficulty of effective integration with the traditional business and the different acceptance of the customer base, the advantages of the electronic banking business have not been fully displayed. Therefore, at present, the contribution of electronic banking to the performance of commercial banks has become one of the most concerned issues of commercial banks, which is also the purpose of this paper. Most of the domestic and foreign literature focus on equity structure, bank size, market structure, financial indicators on the performance of commercial banks, in the face of electronic banking business gradually replace the large background of bank counter business. It is necessary to analyze the effect of this kind of business structure adjustment on bank performance. So this paper mainly analyzes the effect of electronic banking on the performance of commercial banks in China through the integration of electronic banking into the performance evaluation system of commercial banks. This paper analyzes the current situation of electronic banking business, and analyzes the impact of electronic banking business on fees and commission income, as well as the impact of changes in fees and commission income on operating income. Thus indirectly obtains the electronic banking business to the bank operating income influence present situation. On the basis of this, we take the income of electronic banking as one of the input indicators through DEA method, and empirically analyze the effect of electronic banking on the performance of commercial banks in China. Suggestions on how to improve and develop electronic banking business in order to improve their own performance are put forward.
【学位授予单位】：杭州电子科技大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.2;F724.6
【引证文献】
相关硕士学位论文 前1条
1 牛宇;电子银行业务对商业银行绩效的影响研究[D];贵州财经大学;2017年
，本文编号：2121910
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