我国商业银行利润结构和盈利模式的转变研究
发布时间：2018-08-19 13:00
【摘要】：随着利率市场化改革逐渐推进、金融自由化、行业激烈竞争等趋势,我国商业银行自身传统利差业务达到了历史新低点,商业银行以利差主导的传统盈利模式受到严峻挑战,商业银行盈利模式的转型显得尤为迫切。而发展低成本、低风险、高收益等特征的非利差业务成为商业银行增加盈利水平、转变现有盈利模式的重要途径。 本文首先在有关盈利模式国内外研究成果的基础上,对我国商业银行的利润结构和盈利模式现状进行分析,然后借鉴发达地区银行发展的经验,得出我国商业银行盈利模式存在的问题。在实证研究部分,本文选取了2007年第四季度到2012年第三季度12家上市银行的财务数据作为样本,首先分析银行利息净收入、中间业务对营业利润的影响。为了进一步探讨中间业务对我国上市银行盈利水平的影响,在后面的面板回归模型中引入总资产、营业费用、GDP等变量,比较分析国有大型银行和其他股份制银行不同类型银行对盈利水平影响的差异。最后结合理论部分与实证部分的分析,得出本文的结论和政策建议。 本文的结论是,我国商业银行现阶段的盈利模式过分依赖利差收入,中间业务比重偏低、新型业务创新不够并且在银行之间发展不平衡。在实证部分得出我国商业银行中间业务收入对提高银行营业利润具有高效性,股份制银行的中间业务对银行盈利水平的影响高于国有大型银行,银行盈利模式转变过程中其盈利水平受到资产规模、营业成本、经济发展状况影响。本文的政策建议是,现阶段我国商业银行转变盈利模式应该继续重视传统利息收入维持适宜的利差水平,大力发展新型中间业务提高差异化水平,加强成本管理控制,细分产品客户市场和加大人力和技术的投入。
[Abstract]:Along with the reform of interest rate marketization, financial liberalization, fierce competition and other trends, the traditional interest rate differential business of commercial banks in China has reached a new historical low, and the traditional profit mode of commercial banks dominated by interest rates has been severely challenged. The transformation of commercial bank profit model is particularly urgent. The development of low cost, low risk, high income and other characteristics of non-interest rate business has become an important way for commercial banks to increase profit level and change the existing profit model. On the basis of the domestic and foreign research results on the profit model, this paper analyzes the profit structure and profit pattern of commercial banks in China, and then draws lessons from the experience of the development of banks in developed regions. The problems existing in the profit model of commercial banks in China are obtained. In the empirical research part, this paper selects the financial data of 12 listed banks from the fourth quarter of 2007 to the third quarter of 2012 as a sample to analyze the net interest income of banks and the impact of intermediate business on operating profits. In order to further explore the influence of intermediate business on the profit level of listed banks in China, variables such as total assets, operating expenses and GDP are introduced into the panel regression model. This paper compares and analyzes the influence of different types of banks on profit level between large state-owned banks and other joint-stock banks. Finally, combined with the theoretical and empirical part of the analysis, this paper draws conclusions and policy recommendations. The conclusion of this paper is that the current profit model of commercial banks in China is too dependent on interest income, the proportion of intermediate business is on the low side, the new business innovation is not enough and the development between banks is not balanced. In the empirical part, it is found that the intermediate business income of commercial banks in our country has high efficiency in improving the operating profit of banks, and the influence of intermediate business of joint-stock banks on the profit level of banks is higher than that of large state-owned banks. The profit level of the bank is affected by the scale of assets, operating cost and economic development. The policy suggestion of this paper is that the commercial banks in our country should continue to pay attention to the traditional interest income to maintain the appropriate interest margin level, develop the new intermediate business to improve the differentiation level, and strengthen the cost management control. Subdivide product customer market and increase manpower and technical input.
【学位授予单位】：浙江大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33
本文编号：2191720
[Abstract]:Along with the reform of interest rate marketization, financial liberalization, fierce competition and other trends, the traditional interest rate differential business of commercial banks in China has reached a new historical low, and the traditional profit mode of commercial banks dominated by interest rates has been severely challenged. The transformation of commercial bank profit model is particularly urgent. The development of low cost, low risk, high income and other characteristics of non-interest rate business has become an important way for commercial banks to increase profit level and change the existing profit model. On the basis of the domestic and foreign research results on the profit model, this paper analyzes the profit structure and profit pattern of commercial banks in China, and then draws lessons from the experience of the development of banks in developed regions. The problems existing in the profit model of commercial banks in China are obtained. In the empirical research part, this paper selects the financial data of 12 listed banks from the fourth quarter of 2007 to the third quarter of 2012 as a sample to analyze the net interest income of banks and the impact of intermediate business on operating profits. In order to further explore the influence of intermediate business on the profit level of listed banks in China, variables such as total assets, operating expenses and GDP are introduced into the panel regression model. This paper compares and analyzes the influence of different types of banks on profit level between large state-owned banks and other joint-stock banks. Finally, combined with the theoretical and empirical part of the analysis, this paper draws conclusions and policy recommendations. The conclusion of this paper is that the current profit model of commercial banks in China is too dependent on interest income, the proportion of intermediate business is on the low side, the new business innovation is not enough and the development between banks is not balanced. In the empirical part, it is found that the intermediate business income of commercial banks in our country has high efficiency in improving the operating profit of banks, and the influence of intermediate business of joint-stock banks on the profit level of banks is higher than that of large state-owned banks. The profit level of the bank is affected by the scale of assets, operating cost and economic development. The policy suggestion of this paper is that the commercial banks in our country should continue to pay attention to the traditional interest income to maintain the appropriate interest margin level, develop the new intermediate business to improve the differentiation level, and strengthen the cost management control. Subdivide product customer market and increase manpower and technical input.
【学位授予单位】：浙江大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33
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