利率市场化背景下中小商业银行盈利模式转型研究

发布时间：2018-11-15 08:48

【摘要】：经过多年的努力之后,我国终于以央行宣布放开存款利率浮动上限为结束点实现了利率市场化改革的完美收官。这项改革不仅成为了我国银行业的一个机遇,更是一次不可避免的巨大挑战。尤其是对于中小型商业银行,因为它们基础较为薄弱,较国有银行有先天劣势,因此在这次改革的浪潮中它们将如何应对引起业界的普遍关注。首先,本文以对当前市场条件下我国中小商业银行盈利模式现状的分析为基础,归纳并总结出了现有盈利模式的不足,包括收入来源过于依赖利差收入、中间业务偏重传统业务、业务创新能力不足、客户基础薄弱等。随后,通过实证研究的方法对利率市场化改革推动了银行盈利模式的转型这一观点进行了验证,接着,实证二在实证一结论的基础上,进一步分析利息净收入和非利息收入对银行盈利推动作用的大小,并得出结论：对于我国的中小银行来说,利息净收入和非利息收入都会对其盈利产生一定的带动作用,但就目前而言,利息净收入的作用显然要更大一些。最后,通过这两次实证得出的结论以及前面总结出的现阶段盈利模式中存在的问题,对中小商业银行盈利模式转型提出相应的对策建议。
[Abstract]:After years of hard work, the central bank finally announced the release of the floating upper limit of deposit interest rate as the end point to realize the perfect end of interest rate marketization reform. This reform has not only become an opportunity for China's banking industry, but also an inevitable huge challenge. Especially for the small and medium-sized commercial banks, because their foundation is relatively weak, compared with the state-owned banks, they have innate disadvantages, so in this wave of reform, how to deal with them will cause widespread concern in the industry. First of all, based on the analysis of the current situation of the profit models of small and medium-sized commercial banks in China under the current market conditions, this paper summarizes the shortcomings of the existing profit models, including the income sources relying too much on interest income. Intermediary business emphasizes traditional business, business innovation ability is insufficient, customer base is weak and so on. Then, the thesis verifies the view that the reform of interest rate marketization promotes the transformation of bank profit model through the method of empirical research. Then, the second empirical study is based on the empirical conclusion. This paper further analyzes the effect of net interest income and non-interest income on bank profitability, and concludes that both net interest income and non-interest income will have a certain driving effect on the profit of small and medium-sized banks in China. But for now, net interest income is clearly more important. Finally, through these two empirical conclusions and the existing problems in the current profit model, the paper puts forward the corresponding countermeasures and suggestions for the transformation of the profit model of small and medium-sized commercial banks.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.33;F830.42

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