我国商业银行中间业务发展影响因素的实证分析

发布时间：2018-02-02 12:41

本文关键词： 商业银行中间业务影响因素实证研究　出处：《山东大学》2014年硕士论文　论文类型：学位论文

【摘要】：随着金融全球化以及金融自由化等趋势的发展,尤其是资本市场的发展和利率市场化的不断推进,使中间业务成为与传统资产、负债业务并重的第三支柱业务。中间业务不但以其成本低、收益高、对资本要求少并能在一定程度上规避风险等特点为现代商业银行带来了巨大活力,而且起到了服务客户、联系客户、促进传统资产负债业务发展的作用。中间业务是银行业务发展水平的重要标志,同时也是我国商业银行规避风险、拓宽利润渠道的重要手段。大力发展我国商业银行中间业务不仅有利于带动传统资产负债业务的进展,也有利十完善银行资产负债管理机制,增强其防控风险的能力。因此研究我国商业银行中间业务发展的影响因素,不论在提高商业银行自身的盈利能力,还是在增强我国商业银行在国际竞争中的实力上,都具有十分重要的意义。为适应国际银行业发展趋势,确立我国商业银行中间业务发展战略,已成为我国商业银行发展战略的必然选择。本文主要研究我国商业银行中间业务发展的影响因素,从宏观角度选取GDP、人均可支配收入、直接融资总额、货币供应量以及进出口贸易总额,微观角度选取存款余额、资本充足率、营业费用、不良贷款率、利息收入以及固定资产,从宏微观两个方面研究其对中间业务发展的影响。然后根据实证结果从宏微观两方面提出针对性建议,以促进我国商业银行中间业务的发展。本文运用规范分析与实证分析相结合、定量分析与定性分析相结合的研究方法。首先,通过研究相关文献了解国内外中间业务的研究内容,以确定本文的研究内容与方向；其次,研究分析中间业务发展相关理论,介绍金融领域所探讨的金融发展动因理论以及中间业务发展的规模经济效应理论,相关理论的研究奠定了我国商业银行中间业务发展的理论基础；再次,通过分析阐述我国商业银行中间业务的发展现状及存在的问题；然后,根据中间业务发展的理论与现状,分析并提取影响我国商业银行中间业务发展的因素,通过对自变量的定性与实证分析确定影响中间业务发展的因素。最后,提出中间业务发展的相关政策建议。
[Abstract]:With the development of financial globalization and financial liberalization, especially the development of capital market and the promotion of interest rate marketization, intermediary business has become a traditional asset. The third pillar business with equal emphasis on debt business. The intermediate business not only has the characteristics of low cost, high income, less capital requirements, but also can avoid risks to a certain extent, which has brought great vitality to modern commercial banks. The intermediary business is an important symbol of the level of development of banking business, but also the commercial banks in China to avoid risks. The important means of widening profit channels is to vigorously develop the intermediary business of commercial banks in China not only to promote the development of traditional asset-liability business, but also to improve the management mechanism of bank assets and liabilities. Therefore, this paper studies the influencing factors of the development of intermediate business of commercial banks in China, whether in improving the profitability of commercial banks themselves. It is also of great significance to strengthen the strength of Chinese commercial banks in the international competition. In order to adapt to the development trend of international banking, the development strategy of intermediate business of Chinese commercial banks is established. It has become the inevitable choice of the development strategy of commercial banks in our country. This paper mainly studies the influencing factors of the development of intermediate business of commercial banks in China. From the macro point of view, we select GDP, per capita disposable income, total direct financing, money supply and total import and export trade. Microcosmic selection of deposit balance, capital adequacy ratio, operating expenses, non-performing loan ratio, interest income and fixed assets. This paper studies the influence of macro and micro on the development of intermediate business, and then puts forward some suggestions from macro and micro to promote the development of intermediate business in China's commercial banks. This paper uses the combination of normative analysis and empirical analysis, quantitative analysis and qualitative analysis of research methods. First, through the study of relevant literature to understand the domestic and foreign intermediate business research content. In order to determine the research content and direction of this paper; Secondly, it studies and analyzes the relevant theories of intermediate business development, introduces the theory of financial development motivation and the theory of economies of scale in the development of intermediate business. The research of relevant theories has laid the theoretical foundation for the development of intermediate business of commercial banks in China. Third, through the analysis of the development of commercial banks in China and the status quo of intermediary business and existing problems; Then, according to the theory and current situation of the development of intermediary business, we analyze and extract the factors that affect the development of intermediate business of commercial banks in China. Through the qualitative and empirical analysis of independent variables to determine the factors affecting the development of intermediate business. Finally, put forward the relevant policy recommendations for the development of intermediate business.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2

【参考文献】