内蒙古W市商业银行收入结构对盈利能力影响的研究

发布时间：2018-01-21 22:36

本文关键词： 收入结构收入结构转型盈利能力商业银行　出处：《内蒙古大学》2017年硕士论文　论文类型：学位论文

【摘要】：长期以来,内蒙古W市各家商业银行都是以传统的存贷款业务作为主要收入来源,对利差的依赖较大。但目前我国利率市场化已经基本完成,金融脱媒程度正逐渐加深,银行资本约束也在不断增强,商业银行面临利差缩窄、竞争加剧的挑战。在这样的背景下,拓展非利息收入,进行收入结构转型成为银行业的共识。然而,目前学术领域对收入结构转型的研究还没有形成一致的结论,所以,为了探索适合内蒙古W市银行业的收入结构的转型之路,本文以当地商业银行为样本研究其收入结构对盈利能力的影响。本文在回顾总结前人研究的基础上,以金融创新理论、范围经济理论、交易成本理论、多元化经营理论和资产组合理论为指导,从理论上分析了内蒙古W市商业银行收入结构及其各组成部分对盈利能力的影响,得出传统收入结构严重失衡,非利息收入亟待提高的结论。然后,为了进一步验证以上的分析结果,本文利用内蒙古W市17家商业银行的财务数据建立面板数据模型,以实证分析的方法对这一问题进行研究,实证结果显示,净利息收入、手续费及佣金收入和投资收入都与盈利能力正相关,成本收入比、不良资产减值损失与盈利能力负相关。通过本文的研究发现,净利息收入仍然是内蒙古W市商业银行最主要的收入来源,但是这部分收入已经增长乏力,要想实现盈利能力持续增长,必须大力发展非利息收入业务;并且,除收入结构外,商业银行的经营成本和不良资产减值损失也会对盈利能力造成显著的不利影响。
[Abstract]:For a long time, the commercial banks in W City of Inner Mongolia have taken the traditional deposit and loan business as the main source of income, relying on the spread of interest rate. But at present, the interest rate marketization has been basically completed in our country. The degree of financial disintermediation is gradually deepening, the bank capital constraints are also increasing, commercial banks are facing the challenge of narrowing the interest margin and intensifying competition. In this context, the development of non-interest income. The income structure transformation has become the consensus of the banking industry. However, the current academic research on the income structure transformation has not reached a consistent conclusion, so. In order to explore the transition of income structure suitable for the banking industry of W City in Inner Mongolia, this paper takes the local commercial banks as a sample to study the influence of its income structure on profitability. It is guided by financial innovation theory, scope economy theory, transaction cost theory, diversification theory and portfolio theory. This paper theoretically analyzes the income structure of commercial banks in W City of Inner Mongolia and its influence on profitability, and draws the conclusion that the traditional income structure is seriously out of balance and the non-interest income needs to be improved urgently. In order to further verify the above analysis results, this paper uses the financial data of 17 commercial banks in Inner Mongolia to establish panel data model, using empirical analysis method to study this problem, empirical results show. Net interest income, commission income, commission income and investment income are all positively correlated with profitability, while cost-income ratio, impairment loss of non-performing assets and profitability are negatively correlated. Net interest income is still the most important source of income for commercial banks in W City of Inner Mongolia, but this part of the income has been weak growth, in order to achieve a sustained growth in profitability, we must vigorously develop non-interest income business; Besides the income structure, commercial banks' operating costs and impairment losses of non-performing assets will also have a significant negative impact on profitability.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.33;F830.42

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