非利息收入对我国上市商业银行经营绩效影响的实证研究
发布时间：2018-11-19 21:16
【摘要】：近年来,随着我国利率市场化进程的不断提速和完成,我国上市商业银行传统的依靠存贷利息差来获取收益的做法日益受到了学术界的质疑,尤其是以BAT和P2P为代表的互联网+金融企业快速崛起与不断的冲击,造成我国上市商业银行面临经营绩效水平与综合竞争力下滑局面的各种挑战。银行经营者也在不断的反思和改变自身的经营策略。目前,国外发达国家和地区采取的普遍做法是转变经营侧重点与经营策略,即从传统的存贷利差收入向中间业务获得的非利息收入转变。争取以非利息收入水平的上升为发展契机,来提升商业银行自身的获利能力与发展水平,2008年全球金融危机以来,国外发达国家和地区拓展非利息收入业务的同时更加合理的管控风险,综合经营绩效与能力大大提升,我国银行业急需吸收与借鉴这种先进科学的做法跟经验。国内外金融发展的客观形式都决定了我国上市商业银行在合理管控风险的前提下发展非利息收入业务的趋势性和紧迫性。本文在这些金融环境和背景之下,首先归纳和总结了国内外学术界相关的理论研究动态,充分吸收与借鉴之前学术界相关分析成果,结合到我国银行业发展的现实情况,介绍了非利息收入相关概念及上市商业银行拓展这项业务的相关理论分析基础。进一步分析了非利息收入在我国目前发展的现实情况,具体描述非利息收入的发展趋势变化及其构成。为了分析研究非利息收入和综合经营绩效的效应情况,本文首先运用时序全局主成分分析方法对我国上市商业银行的综合经营绩效进行测度分析,以得出综合经营绩效的得分值作为被解释变量以便做进一步实证分析。基于我国上市商业银行的类别不同,经营侧重有所区别的实际情况,本文将16家银行归纳为大型上市商业银行和股份制商业银行分别进行对比分析,具体做法是以2010-2015年我国16家上市商业银行综合绩效值分别与非利息收入总体指标和结构性指标为基础结合起来进行面板数据的实证分析研究。最后,本文从非利息收入角度提出促进综合经营绩效水平提高的针对性对策。
[Abstract]:In recent years, with the rapid development and completion of interest rate marketization in China, the traditional practice of Chinese listed commercial banks to obtain income by relying on the interest difference between deposit and loan has been increasingly questioned by the academic circles. In particular, the rapid rise and continuous impact of Internet financial enterprises, represented by BAT and P2P, have led to various challenges of the decline of performance level and comprehensive competitiveness of listed commercial banks in China. Bank operators are also constantly reflecting and changing their own business strategy. At present, the common practice adopted by foreign developed countries and regions is to change the emphasis and strategy of operation, that is, from the traditional interest income of deposit and loan to the non-interest income obtained from intermediate business. Strive to take the rise of non-interest income as a development opportunity to enhance the profitability and development level of commercial banks, since the 2008 global financial crisis, Foreign developed countries and regions expand non-interest income business at the same time more reasonable control of risk, comprehensive performance and ability to greatly improve, China's banking industry urgently needs to absorb and learn from such advanced scientific practices and experience. The objective forms of financial development both at home and abroad determine the trend and urgency of developing non-interest income business in China's listed commercial banks under the premise of reasonable risk management. Under these financial environment and background, this article first summarizes and summarizes the domestic and foreign academic circles related theory research dynamics, fully absorbs and draws lessons from the previous academic circles correlation analysis result, unifies the present situation which our country banking industry develops. This paper introduces the related concepts of non-interest income and the theoretical analysis basis for the listed commercial banks to expand this business. This paper further analyzes the current situation of the development of non-interest income in China, and describes the development trend and composition of non-interest income in detail. In order to analyze the effect of non-interest income and comprehensive operating performance, this paper first uses the time series global principal component analysis method to measure and analyze the comprehensive operating performance of listed commercial banks in China. In order to get the comprehensive performance of the score as the explanatory variable for further empirical analysis. Based on the different categories of listed commercial banks in our country and the actual situation in which the management emphasis is different, this paper concludes 16 banks into large listed commercial banks and joint-stock commercial banks respectively for comparative analysis. The concrete method is to combine the comprehensive performance of 16 listed commercial banks with the general index of non-interest income and the structural index respectively from 2010-2015 to carry on the empirical analysis and research of panel data. Finally, this paper puts forward some countermeasures to improve the comprehensive management performance from the point of view of non-interest income.
【学位授予单位】：内蒙古财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.33;F830.42
本文编号：2343449
[Abstract]:In recent years, with the rapid development and completion of interest rate marketization in China, the traditional practice of Chinese listed commercial banks to obtain income by relying on the interest difference between deposit and loan has been increasingly questioned by the academic circles. In particular, the rapid rise and continuous impact of Internet financial enterprises, represented by BAT and P2P, have led to various challenges of the decline of performance level and comprehensive competitiveness of listed commercial banks in China. Bank operators are also constantly reflecting and changing their own business strategy. At present, the common practice adopted by foreign developed countries and regions is to change the emphasis and strategy of operation, that is, from the traditional interest income of deposit and loan to the non-interest income obtained from intermediate business. Strive to take the rise of non-interest income as a development opportunity to enhance the profitability and development level of commercial banks, since the 2008 global financial crisis, Foreign developed countries and regions expand non-interest income business at the same time more reasonable control of risk, comprehensive performance and ability to greatly improve, China's banking industry urgently needs to absorb and learn from such advanced scientific practices and experience. The objective forms of financial development both at home and abroad determine the trend and urgency of developing non-interest income business in China's listed commercial banks under the premise of reasonable risk management. Under these financial environment and background, this article first summarizes and summarizes the domestic and foreign academic circles related theory research dynamics, fully absorbs and draws lessons from the previous academic circles correlation analysis result, unifies the present situation which our country banking industry develops. This paper introduces the related concepts of non-interest income and the theoretical analysis basis for the listed commercial banks to expand this business. This paper further analyzes the current situation of the development of non-interest income in China, and describes the development trend and composition of non-interest income in detail. In order to analyze the effect of non-interest income and comprehensive operating performance, this paper first uses the time series global principal component analysis method to measure and analyze the comprehensive operating performance of listed commercial banks in China. In order to get the comprehensive performance of the score as the explanatory variable for further empirical analysis. Based on the different categories of listed commercial banks in our country and the actual situation in which the management emphasis is different, this paper concludes 16 banks into large listed commercial banks and joint-stock commercial banks respectively for comparative analysis. The concrete method is to combine the comprehensive performance of 16 listed commercial banks with the general index of non-interest income and the structural index respectively from 2010-2015 to carry on the empirical analysis and research of panel data. Finally, this paper puts forward some countermeasures to improve the comprehensive management performance from the point of view of non-interest income.
【学位授予单位】：内蒙古财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.33;F830.42
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