我国商业银行非利息收入及其影响因素研究

发布时间：2018-05-19 06:48

本文选题：非利息收入 + 银行经营管理　；参考：《暨南大学》2013年硕士论文

【摘要】：近年来，我国非利息收入占营业收入的比重呈现快速增长趋势，到2011年末，平均占比约为20%。但相比西方国家商业银行来说，我国非利息收入占比比重还比较偏低，处于非利息收入发展的初级阶段。手续费和佣金净收入仍然是我国非利息收入的主要来源，且随着我国经济发展状况而波动。其他类型的非利息收入波动性较高。本文首先介绍了国内外的研究成果及发展非利息收入的动因，然后梳理了我国非利息业务的发展历程，并总结了现阶段我国非利息业务的特点、机遇和挑战。在实证部分，本文采用我国12家商业银行2000-2011年的相关财务数据，，建立面板数据的回归模型，研究非利息收入与其影响因素之间的关系。实证结果发现，非利息收入与银行经营水平无关；与银行资产规模和净利息收益率呈正相关关系；降低营业费用率，控制银行营业成本，有助于提高银行非利息收入；精简人员规模，增强与存款客户的关系，能促进非利息业务的发展；手续费及佣金净收入还是我国商业银行的主要来源。最后，本文对如何发展非利息业务提供了政策建议。
[Abstract]:In recent years, the proportion of non-interest income to operating income in China has shown a rapid growth trend, by the end of 2011, the average proportion is about 20 percent. However, compared with commercial banks in western countries, the proportion of non-interest income in China is still relatively low, and it is in the primary stage of the development of non-interest income. Net income from commission and commission is still the main source of non-interest income in China and fluctuates with the development of China's economy. Other types of non-interest income are more volatile. This paper first introduces the domestic and foreign research results and the motivation of developing non-interest income, then combs the development course of non-interest business in China, and summarizes the characteristics, opportunities and challenges of non-interest business in China at present. In the empirical part, using the relevant financial data of 12 commercial banks in China from 2000 to 2011, a regression model of panel data is established to study the relationship between non-interest income and its influencing factors. The empirical results show that the non-interest income has nothing to do with the management level of the bank; it has a positive correlation with the scale of the bank assets and the net interest rate, and reduces the operating expenses rate and controls the operating cost of the bank, which will help to improve the non-interest income of the bank. Streamlining the size of personnel and strengthening the relationship with deposit customers can promote the development of non-interest business, and the net income of commission and commission is also the main source of commercial banks in China. Finally, this paper provides policy advice on how to develop non-interest business.
【学位授予单位】：暨南大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.2

【参考文献】