利率市场化背景下国有银行收入结构调整转型研究

发布时间：2018-06-21 18:33

本文选题：利率市场化 + 中国银行　；参考：《上海交通大学》2014年硕士论文

【摘要】：随着近年来我国金融体制改革的稳步推进和不断深化,在我国经济运行总体平稳的大背景下,中央银行提出从2013年7月20日开始,全面强化对金融贷款利率管理与监督控制,将金融机构贷款的利率标准下调为不得高于0.7倍,将贷款利率水平得决定权交给金融机构。这在中国也是利率市场化要求以来迈出的重要一步。与资产业务、负债业务共同作为商业银行三大支柱业务之一的中间业务受到越来越多的关注。而优化自身业务结构,大力拓展中间业务收入成为各家商业银行必然也是唯一的选择。本文首先整理了利率市场化背景下商业银行收入结构调整的相关文献,对于商业银行在此背景下面临的机遇和挑战做了分析整理,并为了探索我国商业银行盈利能力与中间业务发展的相关性对相关实证研究的结果进行了梳理。其次,文本对中国银行股份有限公司2008-2013年的审计报告数据进行财务分析来进一步探讨我国商业银行在利率市场化进程中收入结构调整和中间业务的发展情况,并通过将中行数据与工行、农行、建行和交行的同期数据进行对比,为总结中国银行中间业务发展优势,并定性的提出其目前的收入结构和盈利模式中存在的问题,最后对此提出相应地对策和建议。文本结合定性和定量分析对于我国国有商业银行中间业务发展现状进行了探究,并为此整理了商业银行大力发展中间业务,积极进行收入结构调整的理论基础,并最终以中国银行为例将理论与实践相结合,为解释我国商业银行在利率市场化进程中面临的转型压力以及中间业务发展的战略规划提供了相应的借鉴,并对我国国有商业银行开展差异化竞争、提升盈利能力和综合竞争力具有重要的现实意义。
[Abstract]:With the steady progress and deepening of China's financial system reform in recent years, under the background of the overall stable economic operation of our country, the Central Bank has proposed that, starting from July 20, 2013, the management and supervision of interest rates on financial loans should be comprehensively strengthened. Cut lending rates to no higher than 0.7, leaving the decision on lending rates to financial institutions. This is also an important step forward in China since the interest rate marketization requirements. As one of the three pillar businesses of commercial banks, the intermediary business is paid more and more attention to with assets business and liability business. Optimizing their own business structure and expanding the income of intermediary business become the only choice of commercial banks. This paper first collates the relevant documents on the adjustment of the income structure of commercial banks under the background of interest rate marketization, and analyzes the opportunities and challenges faced by commercial banks under this background. In order to explore the correlation between the profitability of commercial banks and the development of intermediate business, the empirical research results are sorted out. Secondly, the paper carries on the financial analysis to the audit report data of Bank of China Co., Ltd. from 2008 to 2013 to further explore the adjustment of income structure and the development of intermediate business in the process of interest rate marketization. And by comparing the data of Bank of China with those of ICBC, ABC, CCB and Bank of Communications, in order to summarize the advantages of Bank of China's intermediate business development, and qualitatively put forward the existing problems in its current income structure and profit model, Finally, the corresponding countermeasures and suggestions are put forward. The text combines qualitative and quantitative analysis to explore the current situation of the development of intermediate business in state-owned commercial banks of China, and collates the theoretical basis of developing intermediary business and actively adjusting the income structure of commercial banks. Finally, taking the Bank of China as an example, it combines theory with practice, which provides a reference for explaining the pressure of transformation and the strategic planning of intermediate business development in the process of interest rate marketization. It is of great practical significance for the state-owned commercial banks to carry out differentiated competition and enhance their profitability and comprehensive competitiveness.
【学位授予单位】：上海交通大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33;F830.42

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