中间业务收入对中国农业银行内蒙古分行绩效的影响研究

发布时间：2018-12-17 14:55

【摘要】：迫于我国经济发展方式转型和经济全球化的形势压力,伴随着我国加入WTO后金融机构资本约束的提高和同业竞争的加剧,我国的商业银行亟需通过多种方式发展中间业务,以应对日益激烈的市场竞争。然而,我国商业银行多以传统型中间业务为主,中间业务收入结构仍较为落后,目前国内学者们对中间业务的研究也越来越多,但是,关于某一特定商业银行中间业务发展的研究基本没有,更遑论形成体系。本文首先从商业银行开展中间业务的根本原因出发,分别从企业多元化理论和协同效应理论两个方面进行了阐述,并针对商业银行中间业务的发展,得出中间业务发展的相关启示。其次,通过对中国农业银行内蒙古分行中间业务的现状特点分析,理清中国农业银行内蒙古分行发展中间业务的内外部环境,从而找出其发展中间业务存在的问题与原因。再次,以中国农业银行内蒙古分行研究样本,首先利用趋势图说明中国农业银行内蒙古分行中间业务收入与利润之间的正相关关系,然后利用Eviews分析软件,以2004-2013年的中国农业银行内蒙古分行经营情况和内蒙古地区的经济指标为样本数据,分析得出影响中间业务发展的主要因素。最后,提出有效提高中国农业银行内蒙古分行中间业务收入的对策及建议。从宏观和微观两个方面出发,有针对性的提出如何促进中国农业银行内蒙古分行中间业务发展的对策和措施,从而促进中国农业银行内蒙古分行的整体竞争力的提升。
[Abstract]:Under the pressure of economic development mode transformation and economic globalization, with the increase of financial institutions' capital constraint and the aggravation of interbank competition after China's entry into WTO, our commercial banks urgently need to develop intermediary business in many ways. To cope with the increasingly fierce market competition. However, most commercial banks in our country mainly focus on traditional intermediate business, and the income structure of intermediate business is still relatively backward. At present, there are more and more researches on intermediary business by domestic scholars, but, There is no research on the development of intermediary business in a particular commercial bank, let alone form a system. This paper starts from the fundamental reason of commercial bank developing intermediate business, and expounds the theory of enterprise diversification and the theory of synergetic effect respectively, and aims at the development of commercial bank intermediate business. Draw the relevant enlightenment of intermediary business development. Secondly, by analyzing the present situation of the intermediary business of the Agricultural Bank of China Inner Mongolia Branch, the paper clarifies the internal and external environment of the development of the intermediate business in the Inner Mongolia Branch of the Agricultural Bank of China, and finds out the problems and reasons for the development of the intermediate business. Thirdly, with the research sample of Agricultural Bank of China Inner Mongolia Branch, the positive correlation between intermediate business income and profit of Agricultural Bank of China Inner Mongolia Branch is first illustrated by trend chart, and then the Eviews analysis software is used. Based on the operating situation of Agricultural Bank of China Inner Mongolia Branch and the economic indicators of Inner Mongolia from 2004 to 2013, the main factors affecting the development of intermediate business are analyzed. Finally, the paper puts forward the countermeasures and suggestions to improve the income of intermediary business of Agricultural Bank of China Inner Mongolia Branch. From the macro and micro aspects, this paper puts forward the countermeasures and measures to promote the development of intermediate business in Inner Mongolia Branch of Agricultural Bank of China, so as to promote the overall competitiveness of the Inner Mongolia Branch of Agricultural Bank of China.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33

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