中间业务发展对我国商业银行绩效贡献效率的实证研究

发布时间：2018-08-22 13:22

【摘要】：利率市场化开展以来,银行业受到强烈冲击,银行总资产,净利润等都出现下滑的情况,而我国在经济结构转型的道路上,银行业的作用无可替代。中间业务以其低成本,低风险,高收益的特点步入银行家的视野,在近几年中飞速发展,逐步成为我国商业银行发展的三大支柱产业之一。但是,国外商业银行发展中间业务的经验告诉我们,盲目开展中间业务并不一定会增加银行经营绩效,反而会拖垮商业银行的运营。因此,如何合理的发展中间业务,如何提高效率,都是我们目前需要重视的问题。基于此,本文希望通过研究中间业务对商业银行经营绩效贡献程度的大小来判断我国商业银行中间业务发展的状况,并对如何开展中间业务和提高银行经营绩效提出合理的建议。在具体的研究上,本文选取了我国十六家上市商业银行作为样本,数据跨度为2009年至2014年。本文首先对这十六家商业银行的中间业务发展现状和经营绩效现状进行归纳总结,然后选取了十五项经营绩效指标,采用因子分析的方法测算十六家上市商业银行的经营绩效得分值,最后,以总资产规模,中间业务收入和支出作为投入指标,计算出的绩效得分值作为产出指标,通过数据包络分析法,得出十六家上市商业银行中间业务发展对其经营绩效的贡献效率,分析得出我国的中间业务发展对经营绩效贡献程度还不大,股份制和城市商业银行的中间业务发展和重视程度要高于国有银行。最后,根据实证研究,本文从外部宏观环境和内部微观环境两个方面,对中间业务的发展提出了合理的政策建议。
[Abstract]:Since the marketization of interest rate, the banking industry has suffered a strong impact, the total assets of the bank, net profit and so on have declined, but in our country in the economic structure transformation road, the banking industry's function is irreplaceable. With its characteristics of low cost, low risk and high income, intermediary business has entered the field of vision of bankers. In recent years, it has developed rapidly and gradually become one of the three pillar industries in the development of commercial banks in our country. However, the experience of foreign commercial banks in the development of intermediary business tells us that blindly carrying out intermediate business will not necessarily increase the performance of banks, but will drag down the operation of commercial banks. Therefore, how to develop intermediary business reasonably and how to improve efficiency are the problems we need to pay attention to at present. Based on this, this paper hopes to judge the development of intermediate business in China by studying the contribution of intermediary business to the performance of commercial banks. And how to carry out intermediary business and improve the performance of banks put forward reasonable suggestions. In the specific research, this paper selects 16 listed commercial banks as the sample, the data span is from 2009 to 2014. This paper first summarizes the present situation of the intermediate business development and business performance of the 16 commercial banks, and then selects 15 business performance indicators. This paper uses factor analysis method to measure the operating performance score of 16 listed commercial banks. Finally, the total asset size, intermediate business income and expenditure are taken as input indicators, and the calculated performance score is taken as output index. By means of data envelopment analysis, the contribution efficiency of the development of intermediate business to the performance of 16 listed commercial banks is obtained, and it is concluded that the development of intermediate business in our country has not contributed much to the operation performance. The development and importance of intermediary business of stock-holding and city commercial banks are higher than that of state-owned banks. Finally, according to the empirical research, this paper puts forward reasonable policy recommendations on the development of intermediate business from two aspects of external macro environment and internal micro environment.
【学位授予单位】：云南师范大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.2

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