多元化经营对中小商业银行绩效的影响研究

发布时间：2018-03-04 10:10

本文选题：中小商业银行　切入点：多元化经营　出处：《天津商业大学》2017年硕士论文　论文类型：学位论文

【摘要】：越来越多的企业相信多元化经营对企业扩大规模十分有利,可以带来分散经营风险的好处,同时达到多领域掘金的目的,不但可以增加市场占有率,还有助于提高企业在全行业中的排名,由此产生名誉效应,进而带动企业的长足发展。在国外标杆企业的带动下,我国的各行各业多元化经营进行的如火如荼,希望将企业缔造成下一个美国通用电气公司。本文先通过研究我国中小商业银行多元化经营发展历程,了解到到我国曾经在2003年经济繁荣的时期允许是商业银行进行多元化经营,在东南亚金融危机发生后,对我国中小商业银行的经营业务进行严格约束。“十二五”提出综合经营,我国中小商业银行多元化业务开始逐步发展。继而从多元化业务同质性、理财业务、财务指标三方面研究我国中小商业银行多元化经营现状,从而得出我国中小商业银行多元化业务发展极为不平衡,对中小商业银行的绩效影响也各不相同,然后在相关理论分析的基础上,按照我国2016年发布的陀螺评价体系1把中小商业银行分为全国性中小商业银行、城市商业银行和农村商业银行三类,并且根据公布排名的先后选取32家中小商业银行,通过阅读各银行的年度财务报表以及相关的证券信息网站获取2008-2015年的面板数据进行实证分析,通过建立相关模型研究多元化经营对我国中小商业银行经营绩效的影响,得出以下结论:(1)多元化经营对全国性中小商业银行盈利能力产生正面影响,意味着多元化程度越高,越有利于其盈利能力的提高,(2)多元化经营对城市商业银行、农村商业银行的盈利能力产生负面影响,也就是多元化程度与其盈利能力反方向变动,同时从实证结果可以看出,多元化经营对城市商业银行盈利能力负面影响低于农村商业银行,意味着多元化程度相同时,相较于农村商业银行,对城市商业银行盈利能力的负面影响要小。由此可知,中小商业银行因立足自身,找寻适合的特色化的经营之路。
[Abstract]:More and more enterprises believe that diversification is very beneficial to the expansion of enterprises' scale and can bring about the benefits of diversification of business risks. At the same time, it can not only increase market share, but also achieve the goal of multi-domain gold digs. It will also help to improve the ranking of enterprises in the whole industry, which will have a reputation effect and thus drive the rapid development of enterprises. With the help of foreign benchmarking enterprises, the diversified operation of various industries in our country is in full swing. It is hoped that the enterprise will be established as the next American General Electric Company. This paper first studies the development process of diversified management of small and medium-sized commercial banks in China. Aware that our country once allowed commercial banks to diversify during the economic boom in 2003. After the financial crisis in Southeast Asia, we strictly restricted the business operations of small and medium-sized commercial banks in our country. The 12th Five-Year Plan proposed comprehensive management. The diversified business of small and medium-sized commercial banks in China began to develop step by step, and then the present situation of diversified management of small and medium-sized commercial banks in China was studied from three aspects: homogeneity of diversified business, financial management and financial indicators. It is concluded that the diversified business development of small and medium-sized commercial banks in China is extremely unbalanced, and the impact on the performance of small and medium-sized commercial banks is different, and then on the basis of relevant theoretical analysis, According to the gyroscope evaluation system published in 2016, small and medium-sized commercial banks are divided into three categories: national small and medium-sized commercial banks, urban commercial banks and rural commercial banks. According to the published ranking, 32 small commercial banks are selected. Through reading the annual financial statements of banks and relevant securities information websites to obtain the panel data from 2008 to 2015 for empirical analysis, through the establishment of relevant models to study the impact of diversification on the performance of small and medium-sized commercial banks in China. The following conclusions are drawn: (1) diversification has a positive impact on the profitability of national small and medium-sized commercial banks, which means that the higher the degree of diversification is, the more conducive it is to the improvement of their profitability. The profitability of rural commercial banks has a negative impact, that is, the degree of diversification and its profitability change in the opposite direction, at the same time, from the empirical results can be seen, The negative impact of diversification on the profitability of urban commercial banks is lower than that of rural commercial banks, which means that when the degree of diversification is the same, the negative impact on the profitability of urban commercial banks is smaller than that of rural commercial banks. Small and medium-sized commercial banks, based on their own, to find a suitable way of special management.
【学位授予单位】：天津商业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.33

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