我国上市商业银行中间业务收入对经营绩效影响的实证研究

发布时间：2018-10-11 10:35

【摘要】：本文以商业银行中间业务作为研究对象,分析了我国商业银行中间业务的发展现状,从中找出了国内商业银行中间业务发展过程中的制约因素和不足之处。在此基础上选取国内14家上市商业银行2008-2013年的财务数据,并根据所选商业银行的资产规模和性质,将其分为国有控股商业银行、股份制商业银行、上市城市商业银行三个类别,分别建立三个面板数据模型,进而研究这三类商业银行中间业务收入与其经营绩效之间的关系。得出的结论是国有控股商业银行和股份制商业银行的经营绩效与中间业务收入占比正相关,但不显著。而上市城市商业银行的经营绩效与中间业务收入占比负相关。经过理论分析和实证分析,本文从三个角度出发提出了我国商业银行大力发展中间业务的若干对策建议。国内商业银行要进一步加强对发展中间业务的重视程度,加大创新和人才培养力度,大力发展中间业务,不断提升中间业务所占比例；放松监管,逐步向混业经营过度,为中间业务发展营造良好的外部环境；加快转变中间业务结构,积极发展成本低收益高的创新型中间业务；树立风险防范意识,对风险较高的业务品种要一边发展一边防范风险；由于不同商业银行的经营绩效受中间业务的影响各不相同,因此各家银行在发展中间业务时应根据自身具体情况,制定合理的中间业务发展战略。
[Abstract]:This article takes the commercial bank intermediate business as the research object, has analyzed the development present situation of our country commercial bank intermediate business, has found out the restriction factor and the insufficiency in the domestic commercial bank intermediate business development process. On this basis, the financial data of 14 domestic listed commercial banks from 2008 to 2013 are selected, and according to the assets scale and nature of the selected commercial banks, they are divided into three categories: state-owned holding commercial banks, joint-stock commercial banks and listed city commercial banks. Three panel data models are established to study the relationship between intermediate business income and operating performance of these three types of commercial banks. The conclusion is that the operating performance of state-owned holding commercial banks and joint-stock commercial banks is positively correlated with the proportion of intermediate business income, but it is not significant. However, the operating performance of commercial banks in listed cities is negatively correlated with the proportion of intermediate business income. Through theoretical analysis and empirical analysis, this paper puts forward some countermeasures and suggestions for the development of intermediary business in China's commercial banks from three angles. Domestic commercial banks should further strengthen the importance they attach to the development of intermediate business, increase innovation and personnel training, vigorously develop intermediate business, continuously increase the proportion of intermediate business, relax supervision, and gradually overrun the mixed operation. Create a good external environment for the development of intermediate business; accelerate the transformation of intermediate business structure; actively develop innovative intermediate business with low cost and high income; establish awareness of risk prevention; As different commercial banks have different business performance affected by the intermediary business, each bank should develop the intermediary business according to its own specific conditions. Formulate reasonable intermediate business development strategy.
【学位授予单位】：海南大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.2;F832.33

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