固定收益型理财产品对商业银行经营绩效的影响
发布时间：2018-08-11 12:27
【摘要】：近年来,商业银行理财产品正逐步成为商业银行表外业务收入的一个重要来源,对理财产品的研究也不断深化。另一方面,对于商业银行特别是我国商业银行经营效率的的研究也成为金融机构业绩测评的一个重要课题。但是,目前专门针对理财产品运作对商业银行经营效率的研究还不多见。然而,在2007年美国次贷危机引起的全球金融萧条的背景下,中国银行业整体却表现出良好的增长态势。结合自2007年以来银行理财产品,特别是固定收益型理财产品的快速发展,本文试图解释这两者之间存在的内在联系,并验证存款理财化效应以及理财产品业务转型对商业银行的影响真实存在。 首先,本文梳理了现有文献中针对固定收益型理财产品与商业银行经营绩效间关系的研究,在总结前人研究的基础上认为固定收益型理财产品对于商业银行经营绩效的影响主要通过三种途径体现,一是存款理财化效应,二是理财产品的业务转型效应,三是固定收益型理财产品的经营效率高于传统信贷业务。 其次,文本所采用的是以范围经济为主导的理论分析框架,通过分析产生范围经济的原因以及范围经济对单个经济实体的影响两方面内容,结合银行理财产品与商业银行传统业务之间的关联性,就理财产品对商业银行经营绩效的影响进行了理论层面的假设分析,并试图利用现有的数据验证这一猜想。 再次,本文选取2007年至2011年14家上市的股份制商业银行为样本,采用面板数据进行实证分析。实证结果表明：(1)存款理财化效应有助于我国商业银行提升经营效率；(2)固定收益型理财产品经营效率对商业银行有正向推动作用；(3)固定收益型理财产品的业务转型效应不显著。 最后,结合我国上市商业银行在运营过程中特别是理财产品的经营中暴露出来的一些问题以及理财产品对商业银行经营绩效的影响方式,本文在理财产品的运作方面给商业银行提出了一些有益的建议。
[Abstract]:In recent years, the financial products of commercial banks are gradually becoming an important source of off-balance sheet business income of commercial banks. On the other hand, the research on the operational efficiency of commercial banks, especially in China, has become an important issue in the performance evaluation of financial institutions. However, at present, the research on the efficiency of commercial banks is rare, especially for the operation of financial products. However, under the background of the global financial depression caused by the American subprime mortgage crisis in 2007, China's banking industry as a whole showed a good growth trend. Combined with the rapid development of banking financial products, especially fixed-income financial products since 2007, this paper tries to explain the inherent relationship between the two. And verify the effect of deposit financing and financial products business transformation on commercial banks. First of all, this paper reviews the existing literature on the relationship between fixed-income financial products and the performance of commercial banks. On the basis of summing up the previous studies, it is concluded that the influence of fixed income financial products on the performance of commercial banks is mainly reflected in three ways, one is the effect of deposit financing, the other is the effect of business transformation of financial products. Third, the operating efficiency of fixed income financial products is higher than traditional credit business. Secondly, the text uses the scope economy as the leading theoretical analysis framework, through the analysis of the causes of scope economy and the impact of scope economy on individual economic entities. Combined with the relationship between the banking financial products and the traditional business of commercial banks, this paper makes a theoretical analysis of the impact of financial products on the performance of commercial banks, and tries to verify this conjecture by using the existing data. Thirdly, this paper selects 14 joint-stock commercial banks listed from 2007 to 2011 as the sample, and uses panel data for empirical analysis. The empirical results show that: (1) the effect of deposit financing is helpful to improve the management efficiency of Chinese commercial banks, (2) the operation efficiency of fixed income financial products has a positive effect on commercial banks. (3) the business transformation effect of fixed income financial products is not significant. Finally, combined with the listed commercial banks in our country in the operation process, especially in the management of financial products exposed some problems and the impact of financial products on the performance of commercial banks, This paper puts forward some useful suggestions to commercial banks on the operation of financial products.
【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
[Abstract]:In recent years, the financial products of commercial banks are gradually becoming an important source of off-balance sheet business income of commercial banks. On the other hand, the research on the operational efficiency of commercial banks, especially in China, has become an important issue in the performance evaluation of financial institutions. However, at present, the research on the efficiency of commercial banks is rare, especially for the operation of financial products. However, under the background of the global financial depression caused by the American subprime mortgage crisis in 2007, China's banking industry as a whole showed a good growth trend. Combined with the rapid development of banking financial products, especially fixed-income financial products since 2007, this paper tries to explain the inherent relationship between the two. And verify the effect of deposit financing and financial products business transformation on commercial banks. First of all, this paper reviews the existing literature on the relationship between fixed-income financial products and the performance of commercial banks. On the basis of summing up the previous studies, it is concluded that the influence of fixed income financial products on the performance of commercial banks is mainly reflected in three ways, one is the effect of deposit financing, the other is the effect of business transformation of financial products. Third, the operating efficiency of fixed income financial products is higher than traditional credit business. Secondly, the text uses the scope economy as the leading theoretical analysis framework, through the analysis of the causes of scope economy and the impact of scope economy on individual economic entities. Combined with the relationship between the banking financial products and the traditional business of commercial banks, this paper makes a theoretical analysis of the impact of financial products on the performance of commercial banks, and tries to verify this conjecture by using the existing data. Thirdly, this paper selects 14 joint-stock commercial banks listed from 2007 to 2011 as the sample, and uses panel data for empirical analysis. The empirical results show that: (1) the effect of deposit financing is helpful to improve the management efficiency of Chinese commercial banks, (2) the operation efficiency of fixed income financial products has a positive effect on commercial banks. (3) the business transformation effect of fixed income financial products is not significant. Finally, combined with the listed commercial banks in our country in the operation process, especially in the management of financial products exposed some problems and the impact of financial products on the performance of commercial banks, This paper puts forward some useful suggestions to commercial banks on the operation of financial products.
【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】
相关期刊论文 前4条
1 程婵娟;马U，
本文编号：2176992
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