基于对商业银行盈利性影响的中国信用卡业务研究

发布时间：2018-01-16 16:33

  本文关键词：基于对商业银行盈利性影响的中国信用卡业务研究　出处：《复旦大学》2012年硕士论文　论文类型：学位论文

  更多相关文章： 信用卡 盈利 面板数据 回归分析

【摘要】：近年来信用卡产业在我国快速发展,信用卡作为一种安全、方便、快捷的支付手段,对我国国民经济的发展和人民生活水平的提高起到了巨大的推动作用。目前我国的信用卡市场刚刚起步,无论在盈利规模、客户资源还是产品创新上都有重大发展空间。而且信用卡业务对发展商业银行的个人银行业务,扩大客户资源以及增加商业银行的中间业务收入都有重要作用。因此,抢占信用卡市场,增强商业银行在信用卡领域的竞争力就成为了近几年来商业银行的一个重要发展方向和关注焦点。但是目前我国的信用卡市场利润空间较小,目前宣布信用卡产品盈利的只有招商银行、中信银行、民生银行少数几家商业银行,其余商业银行几乎都处于亏损状态。信用卡业务究竟对商业银行的盈利水平有无影响,如果存在影响,又有着什么程度的影响就成为了一个值得研究的问题。 本文正是从这一现状出发,讨论了我国当前信用卡市场的主要运营方式,我国信用卡市场的发展现状以及信用卡业务的盈利模式。本文还建立了关于信用卡业务与商业银行盈利水平的函数模型,结合了我国10家银行2006-2010年的信用卡发行和使用的相关数据以及银行的财务指标,运用最小二乘法对面板数据进行多元回归分析。通过实证分析研究得出了信用卡累计发放数量、累计交易金额和贷款金额对商业银行盈利指标ROE的影响。 最后本文结合回归分析的结果,提出我国的信用卡业务对商业银行存在一定的影响,信用卡累计发放数量和累计交易金额对商业银行盈利的影响是因银行而异的,而信用卡贷款金额对商业银行的盈利水平存在正的影响,但是目前我国的信用卡业务对银行的盈利水平影响总体上表现并不明显。最后,本文依据前文的分析对我国商业银行信用卡业务未来的发展提出了一些建议。
[Abstract]:In recent years, the credit card industry has developed rapidly in our country, credit card as a kind of safe, convenient and fast payment means. At present, the credit card market of our country has just started, no matter in the profit scale. Customer resources or product innovation have significant room for development. And credit card business for the development of commercial banks personal banking business. Expanding customer resources and increasing the intermediate business income of commercial banks are important. Therefore, the credit card market is preempted. Enhancing the competitiveness of commercial banks in the field of credit card has become an important direction of development and focus of attention in recent years, but at present, the profit margin of credit card market in China is relatively small. At present, only China Merchants Bank, CITIC Bank and Minsheng Bank are the only commercial banks to announce the profits of credit card products. The other commercial banks are almost in a state of loss. Whether the credit card business has an impact on the profitability of commercial banks, and if so, to what extent, has become a problem worth studying. From this point of view, this paper discusses the main mode of operation of the current credit card market in China. The present situation of the credit card market in China and the profit model of the credit card business. This paper also establishes the function model of the credit card business and the profit level of the commercial bank. Combined with 10 banks in China from 2006 to 2010 credit card issuance and use of relevant data as well as bank financial indicators. Using the least square method to carry on the multivariate regression analysis to the panel data, through the empirical analysis, the author obtains the influence of the credit card cumulative issuance quantity, the cumulative transaction amount and the loan amount on the commercial bank profit index ROE. Finally, combined with the results of regression analysis, the paper points out that the credit card business in China has a certain impact on commercial banks. The effect of credit card amount and transaction amount on commercial bank profit is different from bank, but credit card loan amount has positive influence on commercial bank profit level. However, at present, the impact of credit card business on the profitability of banks is not obvious. Finally, based on the above analysis, this paper puts forward some suggestions for the future development of credit card business of commercial banks in China.
【学位授予单位】：复旦大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

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本文编号：1433936