我国商业银行收入结构转型研究

发布时间：2018-06-05 04:52

本文选题：商业银行 + 收入结构转型　；参考：《山西财经大学》2014年硕士论文

【摘要】：随着我国金融市场的发展，商业银行经营环境发生巨大变化，在商业银行收入结构中非利息净收入占比不断提高。非利息净收入的高低，日渐成为商业银行现代化发展的重要标志之一。受益于混业经营与统一监管，西方商业银行经营模式日益灵活，传统资产负债业务比重逐年下降，非传统业务快速上升，经营发展日趋综合化，收入结构日渐多元化，综合竞争实力显著提升。而我国商业银行长期依托政策优势，以净利息收入为主导的收入结构单一且不均衡，极大的消耗了我国商业银行的资本。使得我国银行业在资本约束进一步强化，利率市场化进程不断加速的过程中，表现出极强的资本饥渴症。以净利息收入为主导的现有商业银行收入结构，已严重制约着我国商业银行的未来发展。我国商业银行为突破发展瓶颈，开始纷纷借鉴国外发达国际及地区商业银行的发展经验，逐步转变经营战略，优化收入结构。随着利率市场化进程快速推进、资本监管的进一步加强、金融脱媒趋势的不断走强，我国商业银行未来发展将面临利润空间缩窄的严峻考研。在此大背景下，研究我国商业银行收入结构现状及其转型问题，，具有十分重要的现实意义。本文首先在对商业银行收入结构的内涵及相关理论进行阐述，依托2006-2012年我国上市银行年报中的经营数据，分析我国上市商业银行收入结构现状及特点；其次，在充分借鉴国外商业银行的收入结构发展经验的基础上，剖析我国商业银行收入结构转型的必要性；最后，针对不同发展阶段的商业银行发展规模的不同，对我国不同商业银行收入结构的转型路径和转型策略进行了分析。通过分析，本文认为我国商业银行需要结合自身发展阶段和发展特点，展开收入结构转型，即依据商业银行自身发展阶段和经营规模的不同，在收入结构转型过程中，选择不同的发展方向、转型路径和实施策略。较大型商业银行收入结构转型应以综合化为主，而较小商业银行应以特色化经营为主，实现收入结构转型，以全面提升商业银行的综合竞争力。
[Abstract]:With the development of the financial market in China, the operating environment of commercial banks has changed greatly, and the proportion of non-interest net income in the income structure of commercial banks is increasing. The non-interest net income is becoming one of the important signs of the modernization of commercial banks. Benefiting from the mixed operation and unified supervision, the western commercial banks are increasingly flexible, the proportion of traditional assets and liabilities business is decreasing year by year, the non-traditional business is rising rapidly, the business development is becoming more and more comprehensive, and the income structure is becoming more and more diversified. Comprehensive competitive strength has improved significantly. However, China's commercial banks rely on the policy advantage for a long time, and the income structure dominated by net interest income is single and unbalanced, which greatly consumes the capital of our commercial banks. In the process of further strengthening the capital constraint and accelerating the process of interest rate marketization, the banking industry of our country shows a strong hunger for capital. The current income structure of commercial banks, dominated by net interest income, has seriously restricted the future development of commercial banks in China. In order to break through the bottleneck of development, Chinese commercial banks begin to learn from the development experience of developed international and regional commercial banks one after another, gradually change their management strategy and optimize their income structure. With the rapid development of interest rate marketization, the further strengthening of capital supervision and the increasing trend of financial disintermediation, the future development of commercial banks in China will be faced with the austere examination of narrow profit space. Under this background, it is of great practical significance to study the present situation and transformation of the income structure of commercial banks in China. Firstly, this paper expounds the connotation and related theories of the income structure of commercial banks, and analyzes the present situation and characteristics of the income structure of listed commercial banks in China based on the operating data of the annual reports of listed banks from 2006 to 2012. Based on the experience of foreign commercial banks' income structure development, this paper analyzes the necessity of the transformation of Chinese commercial banks' income structure, finally, aiming at the different development scale of commercial banks in different stages, This paper analyzes the transition path and strategy of different commercial banks' income structure in China. Through the analysis, this paper thinks that the commercial banks of our country need to carry out the transformation of the income structure according to their own development stage and characteristics, that is, according to the difference of the development stage and the management scale of the commercial banks, in the process of the transformation of the income structure, Choose different development directions, transition path and implementation strategy. The transformation of the income structure of the larger commercial banks should be based on integration while that of the smaller commercial banks should be based on the characteristic management to realize the transformation of the income structure so as to enhance the comprehensive competitiveness of the commercial banks in an all-round way.
【学位授予单位】：山西财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33

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