市场势力、非利息收入与商业银行绩效

发布时间：2018-04-24 05:10

本文选题：商业银行 + 市场势力　；参考：《重庆大学》2014年硕士论文

【摘要】：在我国，银行作为资金配置的重要部门，，以及在经济发展过程中所处的战略地位和支配地位，使得银行在市场结构方面具有高的垄断性。近年来，数据显示中国的金融结构，特别是以银行业为代表的间接金融中介已更具市场导向，四大国有银行的市场势力（Market Power）逐步降低，而股份制银行、城市商业银行的市场势力不断提高。各行市场势力的转变促进了行业结构的变化，竞争力的加大致使传统信贷业务的利润受到挤压，中国银行业逐渐将业务重点从以净利息收入为基础的传统信贷业务转移到各种非利息业务中，掀起了业务多元化转型的浪潮，非利息收入成为商业银行继净利息收入之后的又一项重要收入来源。随着竞争结构改变而展开的收入多元化能否提高商业银行绩效是一个十分值得研究的话题。因此，探讨市场势力、收入多元化与商业银行绩效之间的内在机理和关系对审视中国银行业务发展现状和风险绩效评价具有重要意义。本文根据产业组织理论S-C-P范式的基本理论为基础，首先介绍了中国商业银行业的制度变迁以及由此而引起的商业银行行业结构的变化，重点阐述商业银行市场势力的变化程度与其发展趋势。其次分析了我国商业银行开展非利息收入的背景及趋势。最后构建了市场势力、非利息收入与商业银行绩效的计量模型；然后利用中国15家主要商业银行2003-2011年的数据，实证测度了中国商业银行市场势力、非利息收入占比以及商业银行的绩效，并对实证结果进行了分析。在此基础上提出了可操作性的政策建议。
[Abstract]:In China, banks, as an important sector of capital allocation, as well as the strategic position and dominant position in the process of economic development, make banks have a high monopoly in the market structure. In recent years, data show that China's financial structure, especially the indirect financial intermediation represented by the banking industry, has become more market-oriented, with the market power of the four major state-owned banks gradually declining, and the joint-stock banks, The market power of city commercial bank is increasing continuously. The transformation of market forces in various banks has promoted changes in the structure of the industry, and increased competitiveness has squeezed the profits of the traditional credit business. China's banking industry has gradually shifted its business focus from traditional credit business based on net interest income to various non-interest businesses, which has set off a wave of diversified business transformation. Non-interest income has become another important source of income for commercial banks after net interest income. Whether income diversification can improve the performance of commercial banks with the change of competition structure is a topic worth studying. Therefore, it is of great significance to explore the internal mechanism and relationship between market power, income diversification and commercial bank performance. Based on the basic theory of S-C-P paradigm of industrial organization theory, this paper first introduces the institutional changes of China's commercial banking and the changes in the industrial structure of commercial banks. Focus on the commercial bank market power changes and its development trend. Secondly, the background and trend of non-interest income of commercial banks in China are analyzed. Finally, the paper constructs a measurement model of market power, non-interest income and commercial bank performance, and then uses the data of 15 major commercial banks in China from 2003 to 2011 to empirically measure the market power of Chinese commercial banks. The proportion of non-interest income and the performance of commercial banks are analyzed. On this basis, the operational policy recommendations are put forward.
【学位授予单位】：重庆大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33;F832.2

【参考文献】