银行业收入结构:美国、德国和中国的一项比较研究

发布时间：2018-06-25 09:26

本文选题：银行业 + 利息收入　；参考：《财贸经济》2012年05期

【摘要】：运用均值-标准差分析方法,本文对美国、德国银行业及其代表性银行近几十年的利息收入、非利息收入及非利息收入占比数据,尤其是金融危机以来的数据进行了实证分析,对其背后的制度原因进行了研究。本文发现,国际银行业非利息收入占比都经历了持续增长过程,这期间投资银行业务收入在非利息收入中的占比不断上升;增加非利息收入占比可以提升商业银行的业绩,但并不能降低银行的经营风险,因为非利息收入并不比净利息收入更稳定。结合中国银行业收入结构的现状及特征,本文从中总结了相应的启示。
[Abstract]:By means of mean-standard deviation analysis, this paper makes an empirical analysis of the percentage of interest income, non-interest income and non-interest income of the banks in the United States, Germany and their representative banks in recent decades, especially since the financial crisis. The institutional reasons behind it are studied. This paper finds that the proportion of non-interest income in international banking industry has experienced a process of continuous growth, during which the proportion of investment banking business income in non-interest income has been rising, and increasing the proportion of non-interest income can enhance the performance of commercial banks. But it does not reduce banks' operating risk, as non-interest income is not more stable than net interest income. Combined with the current situation and characteristics of China's banking revenue structure, this paper summarizes the corresponding enlightenment.
【作者单位】：中国民生银行;
【分类号】：F832.2

【相似文献】