上市股份制商业银行中间业务发展影响因素研究

发布时间：2018-12-11 21:56

【摘要】：在全球经济发展格局大变化的背景下,我国积极稳健的推行利率市场化改革,其中利息改革主要表现为下调金融机构贷款及存款基准利率,并将存款利率浮动区间扩大至基准利率1.5倍。这对长期以来依靠存贷款利差收入为主要盈利模式的我国股份制商业银行形成较大冲击,并给股份制商业银行带来了一定的经营风险。面对挑战,我国股份制商业银行应通过转变发展模式、调整收入结构,向资本占有率低且市场需求较大的中间业务转型,即采取稳固传统业务领域的同时,大力发展中间业务,增加中间业务收入的模式应对利率市场化带来的价格竞争,进而为自身发展创造新的盈利增长点。在此背景下,本文对我国股份制商业银行中间业务的发展进行了相关研究。本文首先对我国股份制商业银行中间业务现有研究进行梳理,归结了现有文献对股份制商业银行中间业务发展现状、存在问题、影响因素的研究成果,指出本文的研究意义、研究目的、研究思路,结合股份制商业银行特点对其发展中间业务的必要性进行了阐述,并通过分析7家上市股份制商业银行9年财务数据,统计出中间业务及其构成变动情况,对股份制商业银行中间业务构成变动规律和趋势进行总结。在此基础上,本文又从宏观和微观两个方面选取指标,分析了影响股份制商业银行中间业务发展的因素及诸因素的影响程度。结合中间业务的变动规律,阐述了各因素对中间业务发展的影响及影响趋势。在指标选取上本文引入实体经济变量和虚拟经济变量,结合银行自身经济指标,对影响中间业务发展的因素进行全面分析。最后,针对股份制商业银行自身特点,从外部环境完善和自身路径选择两个方面,对我国股份制商业银行发展中间业务提出了改革对策和建议,希望能对我国上市股份制商业银行及其他股份制商业银行未来发展有所帮助。
[Abstract]:Against the background of great changes in the global economic development pattern, China is actively and steadily pursuing the interest rate marketization reform, in which interest reform mainly manifests itself in the reduction of the benchmark interest rates on loans and deposits of financial institutions. And the floating range of deposit rates to expand to 1.5 times the benchmark interest rate. This has a great impact on the joint-stock commercial banks which rely on the income of deposit and loan interest margin as the main profit model for a long time, and brings certain operating risks to the joint-stock commercial banks. Facing the challenge, the joint-stock commercial banks of our country should change the development mode, adjust the income structure, and transform to the intermediate business with low capital share and large market demand, that is, to develop the intermediary business vigorously while taking firm traditional business field. The mode of increasing intermediate business income should meet the price competition brought by interest rate marketization, and then create a new profit growth point for its own development. Under this background, this article carries on the correlation research to our country stock system commercial bank intermediate business development. Firstly, this paper reviews the existing research on intermediate business of joint-stock commercial banks in China, and summarizes the research results of the status quo, existing problems and influencing factors of the intermediate business of joint-stock commercial banks in the existing literature, and points out the significance of the research in this paper. This paper expounds the necessity of developing intermediate business by combining the characteristics of joint-stock commercial banks, and analyzes the financial data of 7 listed joint-stock commercial banks for 9 years. The change law and trend of intermediate business composition in joint-stock commercial banks are summarized. On this basis, this paper selects the indexes from the macro and micro aspects, and analyzes the factors that affect the development of the intermediate business of the joint-stock commercial banks and the influence degree of the various factors. Combined with the changing law of intermediary business, this paper expounds the influence of various factors on the development of intermediate business and its influence trend. In the selection of indicators, this paper introduces the real economic variables and virtual economic variables, combined with the bank's own economic indicators, to comprehensively analyze the factors that affect the development of intermediate business. Finally, according to the characteristics of joint-stock commercial banks, this paper puts forward the reform countermeasures and suggestions on the development of intermediate business in China's joint-stock commercial banks from two aspects: the perfection of external environment and the choice of their own paths. It hopes to be helpful to the future development of China's listed joint-stock commercial banks and other joint-stock commercial banks.
【学位授予单位】：西北农林科技大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.2

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