中国商业银行非利息收入对其绩效的影响

发布时间：2018-07-14 18:58

【摘要】：随着金融自由化和金融管制的放松，世界经济全球化愈演愈烈，金融市场竞争日趋激烈，商业银行存贷利差日益缩小，生存压力越来越大，单纯依靠利息收入已经满足不了商业银行的发展以及对利润的追求，因此西方国家的商业银行逐渐发展多元化经营，将它们的经营重点转向了新型的非利息业务。那么可以说，从二十世纪七八十年代至今，非利息业务在西方银行业得到了平稳较快发展，大力带动了业务转型。而一直以来，我国商业银行的利润来源都是传统的通过存贷业务获取的利差收入，非利息业务开展的很少并且在营业收入中所占比重也是非常之低。但是中国商业银行在“金融脱媒”以及利差缩小的冲击之下也逐渐进行业务转型，慢慢走上了发展非利息收入的道路。那么，，非利息收入的发展对中国商业银行经营绩效到底有怎样的作用呢？这就是本文即将讨论的问题。本篇论文的一开始便阐述了非利息收入的概念、明晰了非利息收入的界定，接着又总结了其特征、风险并明确了发展非利息收入的必要性；接着又从非利息收入的发展历程、现状、以及制约因素等几个方面描述了非利息收入的发展状况。在实证研究部分，本文选取了10家上市商业银行2001年到2010年的财务数据为样本，利用面板数据模型中的固定效应模型对商业银行非利息收入对银行经营绩效的影响做了回归分析。结果显示，中国商业银行非利息收入对经营绩效会产生正的影响。在论文的第五部分，对实证的结论做了更深入的分析，接着又提出了几点可行性的意见和建议来促进中国商业银行非利息收入的良好发展。
[Abstract]:With the financial liberalization and relaxation of financial regulation, the globalization of the world economy is becoming more and more intense, the competition in the financial market is becoming increasingly fierce, the difference between deposit and loan interest rate of commercial banks is shrinking day by day, and the pressure of survival is increasing. Relying on interest income alone can not satisfy the development of commercial banks and the pursuit of profits, so commercial banks in western countries have gradually developed diversified operations and turned their business emphasis to new types of non-interest business. So it can be said that since 1970s and 1980s, non-interest business has developed steadily and rapidly in the western banking industry, which has greatly promoted the business transformation. But all along, the profit source of commercial banks in our country is the traditional interest income obtained through deposit and loan business, and the non-interest business carries out very little and accounts for a very low proportion of the operating income. However, under the impact of "financial disintermediation" and the narrowing of interest rate, Chinese commercial banks have gradually carried out business transformation and gradually embarked on the path of developing non-interest income. So, what effect does the development of non-interest income have on the performance of Chinese commercial banks? This is the question that this article will discuss. At the beginning of this paper, the concept of non-interest income is expounded, the definition of non-interest income is clarified, then the characteristics of non-interest income are summarized, the risk and the necessity of developing non-interest income are defined, and then the development course of non-interest income is discussed. The development of non-interest income is described in several aspects, such as current situation and restrictive factors. In the part of empirical research, the financial data of 10 listed commercial banks from 2001 to 2010 are selected as samples. The fixed effect model of panel data model is used to analyze the effect of non-interest income on the performance of commercial banks. The results show that the non-interest income of Chinese commercial banks will have a positive impact on business performance. In the fifth part of the paper, the conclusion of empirical analysis is further analyzed, and then some feasible suggestions are put forward to promote the good development of non-interest income of Chinese commercial banks.
【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

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