人民币国际化对我国商业银行绩效的影响

发布时间：2018-01-29 12:14

本文关键词： 人民币国际化商业银行绩效盈利能力风险发展能力　出处：《上海师范大学》2017年硕士论文　论文类型：学位论文

【摘要】：2015年11月30日,国际货币基金组织宣布将人民币纳入SDR货币篮子,新货币篮子确定了的人民币权重10.92%,并在2016年10月生效。这也是继2009年试点跨境贸易结算业务开展之后,人民币国际化进程的又一大发展。而我国的商业银行则是人民币国际化发展的的重要载体。因此在人民币国际化的发展过程中,必然会对我国商业银行的绩效产生重大的影响。本文运用理论分析和实证分析结合的方法对人民币国际化对我国商业银行绩效的影响进行研究,为改善我国商业银行经营现状,寻找新的利润增长点、提高综合竞争能力提有效的理论依据和政策参考。首先,本文通过人民币作为国际流通货币、国际结算货币、国际投资货币、国际储备货币四个方面对人民币国际化发展现状的梳理,并将人民币与主要国际国币国际化程度进行比较,发现虽然近几年来我国人民币国际化得到了迅速的发展,但是与主要国际货币相比较,人民币国际化的程度依然很低,仍然处于国际化发展的初级阶段。其次,从盈利能力、风险、和发展能力三个方面分别论述了人民币国际化发展对我国商业银行绩效的具体影响。通过研究发现人民币国际化对我国商业银行绩效影响的途径和机制是非常复杂的,对各方面既有有利的影响又有不利的影响。最后,本文运用面板数据分析的方法分别对13家上市银行、5家国有银行和8家股份制股份制银行的盈利能力、风险性和发展能力三方面进行回归分析,回归结果表明,人民币国际化对我国商业银行的盈利能力是负向作用。人民币国际化对不良贷款率的增加是正向的作用。人民币国际化促进我国商业银行的中间业务的快速发展。最后,根据理论分析和实证结果提出了相关的政策建议。
[Abstract]:On November 30th 2015, the International Monetary Fund announced that the renminbi would be included in the SDR basket, which has set a weight of 10.92% yuan. And will take effect on October 2016. This is also after 2009 pilot cross-border trade settlement business began. China's commercial banks are the important carriers of RMB internationalization. Therefore, in the process of RMB internationalization development. This paper uses the method of theoretical analysis and empirical analysis to study the impact of RMB internationalization on the performance of commercial banks in China. In order to improve the current situation of commercial banks in China, find new profit growth points, improve the comprehensive competitiveness of the effective theoretical basis and policy reference. First, this paper uses RMB as the international currency in circulation. International settlement currency, international investment currency, international reserve currency four aspects of the status quo of RMB internationalization, and compare the degree of internationalization of RMB and major international currencies. Although China's RMB internationalization has developed rapidly in recent years, compared with the major international currencies, the degree of RMB internationalization is still very low, and is still in the primary stage of internationalization development. Secondly. From profitability to risk. This paper discusses the specific influence of RMB internationalization on the performance of commercial banks in China from three aspects of RMB internationalization and its development ability. Through the research, it is found that the approaches and mechanisms of RMB internationalization to the performance of commercial banks in China are very complex. Miscellaneous. Finally, this paper uses panel data analysis method to analyze the profitability of 13 listed banks, 5 state-owned banks and 8 joint-stock banks. The regression analysis of risk and development ability showed that. The internationalization of RMB has a negative effect on the profitability of commercial banks in China. The internationalization of RMB plays a positive role in the increase of non-performing loan ratio. The internationalization of RMB promotes the rapid development of intermediary business of commercial banks in China. ... finally. Based on the theoretical analysis and empirical results, the relevant policy recommendations are put forward.
【学位授予单位】：上海师范大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.6;F832.33;F830.42

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