中间业务收入结构对商业银行经营效率影响的实证研究

发布时间：2018-01-10 22:08

本文关键词：中间业务收入结构对商业银行经营效率影响的实证研究　出处：《西南政法大学》2012年硕士论文　论文类型：学位论文

【摘要】：作为现代商业银行三大支柱业务之一，中间业务一直受到各商业银行的关注。进入二十一世纪以来，国内银行业竞争日趋激烈，商业银行的相关传统业务能贡献的利润愈来愈小，而以成本低、风险小、收益高为特征的中间业务由此成为了一个增强银行竞争力和利润的重要途径，因此大力发展中间业务对银行发展有重要意义。问题随之而来，究竟应该怎样发展中间业务呢？或者说，应该怎样合理配置相关细分中间业务的比例，就成为了能够直接影响商业银行经营效率的关键问题。咨询顾问业务，清算结算业务，代理业务，银行卡业务及担保承诺理财业务等五项中间业务基本上代表了整个中间业务的水平，它们的结构比例既反映着商业银行中间业务的发展，也很大程度上反映着商业银行的利润增长点和未来的发展潜力，因而针对五项细分子业务的研究，也很有意义。效率是经济学的核心命题之一，一般用投入与产出，成本和收益之间的关系来表示。商业银行经营状况的评价指标用效率来表示，能更清晰的了解到影响商业银行经营的相关重要影响因素，相比其他数值更准确明了，也更有说服力。本文紧密结合近几年来我国的具体宏观经济发展状况，首先阐明了这一选题的研究背景和意义，以及研究思路和方法，而后总结归纳了国内外关于商业银行中间业务和经营效率理论的文献资料，并对其做出了简要的评价。接着，就中间业务结构对商业银行效率的影响作一般的理论分析:中间业务结构会影响银行整体的中间业务收入，银行中间业务收入又会影响商业银行经营效率。实证研究中选取10家商业银行(包括四大商业银行和六家其他股份制银行)2001一2010年的数据，计算出不同商业银行的各年效率值，然后以商业银行经营效率值为因变量，中间业务收入结构所包括的五个子项目作为自变量，辅助添加总资产（考虑商业银行经营效率可能会受商业银行规模大小，即规模效应的影响）作为控制变量，通过构建计量模型作回归分析，并就四大商业银行和其他股份制银行进行了对比分析。实证结果显示，对于四大行，咨询顾问业务收入，代理委托业务收入，银行卡业务收入对商业银行经营效率的影响较为显著；而对于其他中小股份制银行，五项中间业务对银行经营效率的影响均较为显著。对于所得分析结果，本文分别详析了不同中间业务子项目和经营效率的相关关系和对效率的影响程度，并对回归的结果进行了分析和解释。最后，，依据理论分析和实证分析的结果，提出了针对中间业务结构的调整所带来的银行经营效率变动的相应对策建议:第一，优化中间业务收入结构，不断扩大中间业务收入在商业银行总收入中所占的比例；第二，加大中间业务投入，及时进行统计分析，以便筛选出能较好增强商业银行经营效率的具体中间业务；第三，加强金融创新，拓展新的中间业务；第四，创新的同时也要注意控制风险；第五，培养中间业务需要的相关人才。
[Abstract]:As one of the three pillars of modern commercial banking business, intermediary business of the commercial banks has been the subject of concern. Since twenty-first Century, the domestic banking industry is becoming increasingly fierce, traditional business of commercial banks can contribute to profits more and more small, with low cost, small risk, high return characteristics of the intermediate business has become the an important way to enhance the competitiveness of banks and profits, so developing middle business is of great significance to the development of the bank.
The problem comes, how should the development of intermediate business? Or, how should the rational allocation of relevant segments in the proportion of intermediary business, has become a key issue that can directly affect the operational efficiency of commercial banks. Consulting business, clearing and settlement business, agency business, the bank card business and the financial business secured promises five basic intermediate business on behalf of the intermediate business level, their structure proportionreflects not only the development of intermediate business of commercial banks, but also to a large extent reflects the commercial bank profit growth and future development potential, so for the five small molecular business research, but also very meaningful.
Efficiency is one of the core proposition of economics, generally with input and output, the relationship between costs and benefits to express. The evaluation index of commercial banks operating efficiency that we can have a clearer understanding of the important influence factors related to the operation of commercial banks, compared with other numerical more clear and accurate and convincing.
Combining with the recent years our country specific macroeconomic situation, firstly expounds this topic research background and significance, and research ideas and methods, and then summarized the domestic and foreign on the intermediate business of commercial bank operating efficiency and theory of literature, and made a brief evaluation on it. Then, as a general theoretical analysis on Influence of intermediate business of commercial bank efficiency structure: intermediate business structure will affect the overall bank intermediate business income, bank intermediary business income also affects the efficiency of commercial banks. The empirical research selected 10 commercial banks (including the four major commercial banks and six joint-stock banks) 2001 a 2010 data, calculate the efficiency of different commercial banks, and then as the dependent variable to the efficiency of commercial banks, five items including the structure of the intermediate business income As the auxiliary variable, add total assets (considering the efficiency of commercial banks may be affected by the size of commercial banks, namely the scale effect) as control variables, regression analysis by econometric model, and the four major commercial banks and other joint-stock banks were compared. The empirical results show that for four for consulting business income, business income, principal agent, bank card business revenue impact on the operating efficiency of commercial banks is significant; and for other small and medium-sized joint-stock banks, five intermediate business of banks by the influence of operating efficiency significantly. For the results, this paper analyzes the relationship between intermediate business the project and operating efficiency and impact on efficiency, and the regression results are analyzed and explained.
Finally, based on theoretical analysis and empirical results, we put forward corresponding countermeasures and suggestions brought about in the middle of business structure adjustment of bank operating efficiency changes: first, optimize the structure of intermediate business income, expanding intermediate business income in the total income of the commercial banks in the proportion; second, increase the intermediate business investment statistics timely analysis, so as to select can enhance the specific business efficiency of commercial banks; third, strengthen financial innovation, expand the new intermediate business innovation; fourth, also want to pay attention to risk control; fifth, train talents of intermediate business needs.

【学位授予单位】：西南政法大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.33

【参考文献】