商业银行中间业务的发展对银行盈利能力的影响

发布时间：2018-01-03 23:10

本文关键词：商业银行中间业务的发展对银行盈利能力的影响　出处：《国际贸易经济合作研究院》2017年硕士论文　论文类型：学位论文

【摘要】：利率市场化不断深入使银行的净利差持续缩小,金融脱媒、宏观经济增速下降又使得银行信贷资产规模增速放缓,这两个因素直接导致以资产负债业务为主体的我国银行业净利润增速从2012年的18.96%下降到最近两年的4%以内。在此背景下,为银行创造非利息收入的中间业务越发显得重要。相比于传统的资产负债业务,中间业务不占用银行资本金,承担的风险极小,资本充足率监管对中间业务的发展限制较小,此外,部分中间业务发展潜力大、创新程度高、利润率较高。为了提高银行的盈利能力,转型发展某些类中间业务是银行比较合适的战略选择。本文首先分析了中间业务的特点、发展状况以及其对银行经营风险的影响;其次从利率市场化改革、金融脱媒、监管资本约束等角度阐述发展中间业务的必要性;然后结合范围经济理论和协同效应理论分析发展中间业务对银行盈利能力的影响;最后本文运用这些理论,并结合其中六类中间业务的特点,对发展这六类中间业务进行了可行性分析。本文认为银行卡业务经济效益较高;财务顾问业务发挥着不可替代的作用;托管业务具有较大的市场潜力;支付结算业务和代理业务创新程度低、竞争激烈;担保承诺类业务风险较大、且增长乏力;综合分析,银行应该着力发展前三类中间业务。在实证部分中,本文通过对17家上市银行2011年至2015年的财务数据进行回归分析,发现中间业务收入占比与银行的资产收益率(ROA)之间有显著的正相关关系,说明银行转型发展中间业务有利于提高资产的经营效率。由于各类中间业务在创新程度、发展前景、盈利能力等方面存在差异,为了确定最适合银行大力发展的中间业务,本文又将六大中间业务的收入比重作为新的解释变量,构建面板数据回归模型,回归结果证明:银行卡业务、财务顾问业务与银行资产收益率之间有显著的正相关关系;代理业务、支付结算业务与资产收益率之间存在负相关关系;另外两类业务对资产收益率的影响不显著。所以银行应该侧重发展银行卡业务、财务顾问业务和电子银行业务。最后本文从转变中间业务发展思路、调整中间业务结构、加强与非银金融机构的合作、发展电子银行业务等角度提出了促进中间业务发展的对策。
[Abstract]:The deepening of the interest rate market make the bank net interest margins continue to shrink, financial disintermediation, macroeconomic growth decline makes the scale of bank credit assets slowdown, these two factors led directly to the business of the assets and liabilities as the main body of China's banking industry net profit growth fell from 18.96% in 2012 to less than 4% of the last two years. Under this background intermediate business, create non interest income for banks is more and more important. Compared to the traditional asset liability business, intermediate business does not occupy the capital of banks, minimal risk, capital adequacy regulation limits the development of intermediate business is small, in addition, part of the middle business development potential, high innovation level, higher profit margins. In order to improve the profitability of banks, restructuring and development of some kind of intermediate business is the bank strategic choice more appropriate. This paper first analyzes the characteristics of the intermediate business development. As well as its influence on bank risk; secondly from the market-oriented interest rate reform, financial disintermediation, regulatory capital constraint of necessity of the development of the intermediate business; then combined with the scope of economic theory and synergy theory analysis of the impact of the development of intermediary business of bank profitability; finally, based on these theories, combined with the six class the intermediary business characteristics, the development of these six types of intermediate business. This paper analyses the feasibility that the bank card business has high economic benefits; financial advisory business plays an irreplaceable role; hosting business has great market potential; the payment and settlement business and agency business innovation level is low, the competitive business risk guarantee commitments; the larger, and sluggish growth; the comprehensive analysis, the bank should focus on the development of intermediate business before three. In the empirical part, based on the 17 Listed Banks in 2011 The financial data from 2005 to 2015 of the regression analysis, found that the proportion of intermediary business revenue and the bank's return on assets (ROA) there is a significantly positive correlation between banks, restructuring and development of intermediate business is conducive to improve asset management efficiency. Because of the prospects for the development of all kinds of intermediary business in a new level, differences in profitability hand, in order to determine the most suitable for the bank to develop intermediary business, this paper will be six middle business income proportion as new explanatory variables to construct a panel data regression model, the regression results show that the bank card business, finance has a significant positive correlation between consultant business and bank asset returns; agency business, there is a negative the relationship between the payment and settlement business and asset returns; the other two types of business had no significant effect on the rate of return on assets. So the bank should focus on the development of bank card business, Finally, this paper puts forward some countermeasures to promote the development of intermediary business from changing the development ideas of intermediate business, adjusting the structure of intermediate business, strengthening cooperation with non banking financial institutions, and developing e-banking business.

【学位授予单位】：国际贸易经济合作研究院
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2;F830.42

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