利率市场化下我国上市商业银行的盈利模式研究

发布时间：2018-01-17 23:04

本文关键词：利率市场化下我国上市商业银行的盈利模式研究　出处：《首都经济贸易大学》2015年硕士论文　论文类型：学位论文

【摘要】：在传统经营理念的影响下,我国上市商业银行一直依赖于存贷业务收入作为其主要的收入来源,净利息收入占比一直维持近70%至80%的高水平,利差主导型盈利模式的特征较为明显。这种利差主导型的盈利模式在利率还未市场化时,由于政策红利的庇佑可以使上市商业银行获得稳定的收益。然而,随着近些年我国利率市场化改革的不断推进,上市商业银行将面临利差收入不断缩窄等一系列问题,传统利差主导型的盈利模式会受到巨大的冲击,我国上市商业银行终将走上盈利模式的转型之路。因此,探索利率市场化下我国上市商业银行盈利模式具有重要的现实意义。本文以利率市场化改革为背景,首先对利率市场化以及商业银行盈利模式概念进行了相关介绍。其次,通过对我国上市商业银行盈利模式的现状进行分析,发现其存在的主要问题。随后,文章系统分析了利率市场化对我国上市商业银行传统盈利模式造成的四方面影响。最后,综合前文的分析,并通过借鉴美日两国在利率市场化下盈利模式成功转型的主要经验,对我国上市商业银行在利率市场化改革下进行盈利模式的转型提出了对策建议,具体包括转变经营理念、优化传统存贷业务、大力发展非利息业务、实行差异化经营策略以及完善利率风险管理机制五方面。
[Abstract]:The influence of traditional management idea, listed commercial banks in China has been dependent on the loan business income as the main source of income, net interest income accounted for the high level maintained nearly 70% to 80% of the characteristics of dominant profit model spreads more obvious. This spreads dominant profit model in the interest rate market yet when, due to the dividend policy of listed commercial banks shall make steady profits. However, in recent years, with China's market-oriented interest rate reform, the listed commercial banks will face interest income has narrowed and a series of problems, the traditional spread oriented profit model will be a huge impact, China's listed commercial the bank will eventually embark on profit model transformation. Therefore, research has important practical significance under the marketization of interest rate of China's listed commercial banks profit model. Based on the interest rate marketization Firstly, the background of reform, interest rate marketization, commercial banks profit model concept are introduced. Secondly, through the analysis of the present situation of listed commercial bank profit model of our country, found the main problems. Then, the paper analyzes four aspects of the interest rate market impact on the traditional profit model of China's listed commercial bank. Finally, based on the above analysis, and the main experience of Japan in the interest rate market profit model of successful transformation, the countermeasures and suggestions for the transformation of China's listed commercial bank profit model in the interest rate marketization reform is put forward, including the transformation of management idea, optimizing the traditional deposit and loan business, to develop non business interest, implement differentiated business strategy and improve the interest rate risk management mechanism in five aspects.

【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.33

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