我国商业银行国际化发展对经营绩效的影响研究
发布时间：2018-12-15 04:44
【摘要】：随着中国经济崛起、“双向开放”步伐加快和人民币国际化推进,中国银行业迎来海外发展的机遇期。十二五规划对大型跨国金融机构提出“提高国际化经营水平”的发展建议,我国部分商业银行作为重要金融机构在过去五年内加快推进国际化进程并取得了重要进展。此外,在经济新常态下,我国银行业面临经济增速放缓、利率市场化、金融脱媒加剧等问题,国内业务的高盈利与高增长难以持续,国际业务成为新的利润驱动点,因此各家银行逐步将国际化纳入长期发展战略。但目前我国商业银行国际化程度和综合绩效水平与国外先进银行还存在一定差距,发展经验仍显不足。各家银行对国际化能否提升经营绩效,带来长期发展利益还存在疑问。因此,本文就我国商业银行国际化对经营绩效的影响展开研究。我国商业银行国际化发展过程中海外分支机构加快拓展、业务范围逐渐扩大、海外利润增多。然而,还存在海外整体布局滞后、业务多元化不足、经营模式相对落后以及风险防范意识不足的问题。对此,本文借鉴参考美国、日本、澳大利亚的银行国际化经验并总结出了相关启示。实证部分使用我国7家商业银行2005年至2015年间的数据就银行国际化对经营绩效的影响展开验证与讨论。文章采用因子分析法得出绩效综合得分,随后使用固定效应模型进行回归分析并得出如下结论:我国商业银行国际化发展中海外资产占比与银行经营绩效呈负相关关系,海外利润占比对经营绩效的影响不显著但呈正相关关系,而资产规模会导致银行综合绩效下降。因此,我国商业银行国际化的盲目扩张不利于整体绩效的提高,还应当注重盈利水平等方面的提升。为此,本文对我国商业银行国际化发展提出了制定合理战略实施稳步发展、注重人才培养提高经营能力、加强产品创新走特色化发展道路的政策建议。
[Abstract]:With the rise of China's economy, the quickening pace of "two-way opening" and the internationalization of the renminbi, China's banking industry has ushered in an opportunity period for overseas development. The 12th Five-Year Plan puts forward the development suggestion of "improving the level of internationalized management" for large transnational financial institutions. As important financial institutions, some commercial banks in our country have accelerated the process of internationalization and made important progress in the past five years. In addition, under the new normal state of the economy, China's banking industry is faced with problems such as slowing down of economic growth, marketization of interest rates, aggravation of financial disintermediation and so on. The high profitability and high growth of domestic business are difficult to sustain, and international business has become a new profit-driven point. As a result, the banks gradually bring internationalization into the long-term development strategy. However, there is still a certain gap between the international degree and comprehensive performance level of commercial banks in China and foreign advanced banks, and the development experience is still insufficient. Banks have doubts about whether internationalization can improve business performance and bring about long-term development benefits. Therefore, this paper studies the impact of the internationalization of Chinese commercial banks on business performance. In the process of international development of Chinese commercial banks, the overseas branches are expanding rapidly, the scope of business is gradually expanding, and the overseas profits are increasing. However, there are still some problems such as the lag of overseas overall layout, the insufficiency of business diversification, the relative backwardness of business model and the lack of awareness of risk prevention. This paper draws lessons from the international experience of American, Japanese and Australian banks and summarizes the relevant enlightenment. The empirical part uses the data of 7 commercial banks from 2005 to 2015 to verify and discuss the impact of bank internationalization on business performance. This paper uses factor analysis method to get the comprehensive score of performance, then carries on the regression analysis with the fixed effect model and draws the following conclusion: the proportion of overseas assets in the international development of Chinese commercial banks is negatively related to the bank's operating performance. The proportion of overseas profits has no significant effect on operating performance, but there is a positive correlation, and the scale of assets will lead to the decline of comprehensive performance of banks. Therefore, the blind expansion of the internationalization of commercial banks is not conducive to the improvement of overall performance, but also should pay attention to the improvement of profit level. For this reason, this paper puts forward some policy suggestions for the internationalization development of commercial banks in our country, such as formulating reasonable strategy to carry out steady development, paying attention to talent training and improving management ability, and strengthening product innovation to take the road of characteristic development.
【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.33
[Abstract]:With the rise of China's economy, the quickening pace of "two-way opening" and the internationalization of the renminbi, China's banking industry has ushered in an opportunity period for overseas development. The 12th Five-Year Plan puts forward the development suggestion of "improving the level of internationalized management" for large transnational financial institutions. As important financial institutions, some commercial banks in our country have accelerated the process of internationalization and made important progress in the past five years. In addition, under the new normal state of the economy, China's banking industry is faced with problems such as slowing down of economic growth, marketization of interest rates, aggravation of financial disintermediation and so on. The high profitability and high growth of domestic business are difficult to sustain, and international business has become a new profit-driven point. As a result, the banks gradually bring internationalization into the long-term development strategy. However, there is still a certain gap between the international degree and comprehensive performance level of commercial banks in China and foreign advanced banks, and the development experience is still insufficient. Banks have doubts about whether internationalization can improve business performance and bring about long-term development benefits. Therefore, this paper studies the impact of the internationalization of Chinese commercial banks on business performance. In the process of international development of Chinese commercial banks, the overseas branches are expanding rapidly, the scope of business is gradually expanding, and the overseas profits are increasing. However, there are still some problems such as the lag of overseas overall layout, the insufficiency of business diversification, the relative backwardness of business model and the lack of awareness of risk prevention. This paper draws lessons from the international experience of American, Japanese and Australian banks and summarizes the relevant enlightenment. The empirical part uses the data of 7 commercial banks from 2005 to 2015 to verify and discuss the impact of bank internationalization on business performance. This paper uses factor analysis method to get the comprehensive score of performance, then carries on the regression analysis with the fixed effect model and draws the following conclusion: the proportion of overseas assets in the international development of Chinese commercial banks is negatively related to the bank's operating performance. The proportion of overseas profits has no significant effect on operating performance, but there is a positive correlation, and the scale of assets will lead to the decline of comprehensive performance of banks. Therefore, the blind expansion of the internationalization of commercial banks is not conducive to the improvement of overall performance, but also should pay attention to the improvement of profit level. For this reason, this paper puts forward some policy suggestions for the internationalization development of commercial banks in our country, such as formulating reasonable strategy to carry out steady development, paying attention to talent training and improving management ability, and strengthening product innovation to take the road of characteristic development.
【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.33
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1 李志远;我国商业银行国际化刍议[J];技术经济;2001年02期
2 冯嗣全,欧阳令南;银行国际化与金融发展的实证研究[J];国际金融研究;2003年12期
3 张邯s，
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