中间业务发展对我国上市银行经营绩效贡献的实证研究

发布时间：2018-05-05 20:08

本文选题：商业银行 + 中间业务　；参考：《兰州财经大学》2017年硕士论文

【摘要】：本文主要是对我国的16家上市商业银行这些年来的中间业务运营情况进行分析,在此基础上探讨在当前市场竞争日趋激烈、监管更加严格的情形下,中间业务对增强商业银行经营绩效的贡献,从而转变盈利模式,提高商业银行服务质量。从当前我国宏观经济形势和金融市场环境而言,依靠利差推进营业利润增加,发展空间非常有限。各大商业银行都纷纷尝试转型,加强中间业务发展,使中间业务收入成为其新的增长点,通过2015年上市银行统计年报了解,五大国有商业银行中,工商银行、中国银行以及建设银行的中间业务营业收入占营业收入比超过20%,而中小商业银行中,尤其招商银行、民生银行发展速度也是比较快,都超过了30%。本文通过整理国内上市商业银行2009年至2015年期间相应的财务数据,先是对于商业银行经营情况,中间业务数量、结构以及业务,中间业务资金支出考核等在横向、纵向上进行比较,就纵向比对结果来看,不同的商业银行在中间业务收入这一板块呈现连年增长的趋势,但是中间业务成本支出占收入的比重却在持续下降,这表明在我国商业银行运营时,中间业务的范围在持续拓宽,经营水平在不断增强。就商业银行横对比结果而言,中间业务在商业银行中的业务比例和市场中所持有的业务板块比较小,同时把量化作为其经营绩效指标;就经营绩效指标来看,大型的国有商业银行所占份额较多,但是中小型的商业银行增长速度很快。其次利用因子分析法分析各大上市商业银行运营绩效,研究不同的指标对于商业银行营业额所起的作用,并将其指标量化,再通过和能够反映出中间业务发展大小以及经营效率的两个主要指标间的数据进行回归分析,得到相应的结论并进行合理的解释。最后按照相关结论从宏观以及微观这两个角度出发得到相应的建议。
[Abstract]:This paper mainly analyzes the operation of the intermediate business of 16 listed commercial banks in our country in recent years. On the basis of this, it discusses the situation that the market competition is becoming increasingly fierce and the supervision is more stringent. The contribution of intermediate business to enhancing the performance of commercial banks, thus changing the profit model and improving the service quality of commercial banks. From the current macroeconomic situation and financial market environment, depending on the spread to promote the increase of operating profits, development space is very limited. All major commercial banks have tried to transform, strengthen the development of intermediary business, and make intermediate business income become their new growth point. Through the statistical annual reports of listed banks in 2015, it is understood that among the five major state-owned commercial banks, Industrial and Commercial Bank of China, The intermediate business revenue of Bank of China and China Construction Bank is more than 20 percent of the operating income, but in the small and medium-sized commercial banks, especially China Merchants Bank and Minsheng Bank, the development rate is also relatively fast, which is more than 30 percent. This paper collates the corresponding financial data of the domestic listed commercial banks from 2009 to 2015. First of all, for the commercial banks, the number, structure and business of the intermediate business, the examination of the expenditure of the intermediate business funds, etc., are horizontal. Compared with each other vertically, as far as the results of longitudinal comparison are concerned, different commercial banks are showing a trend of annual growth in the intermediate business income sector, but the proportion of intermediate business cost expenditure in income has been declining. This indicates that the scope of intermediate business is continuously widening and the level of operation is increasing when commercial banks operate in our country. As far as the horizontal comparison of commercial banks is concerned, the proportion of intermediate business in commercial banks and the business sectors held in the market are relatively small, at the same time, the quantification is regarded as the operating performance index. Large state-owned commercial banks account for a large share, but small and medium-sized commercial banks are growing fast. Secondly, using factor analysis method to analyze the operational performance of the major listed commercial banks, to study the role of different indicators on the turnover of commercial banks, and to quantify the indicators. Then through the regression analysis of the data between the two main indexes which can reflect the development of the intermediate business and the management efficiency, the corresponding conclusions and reasonable explanations are obtained. Finally, according to the relevant conclusions from the macro and micro point of view to get the corresponding recommendations.
【学位授予单位】：兰州财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2

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