上市银行中间业务对其经营绩效影响研究

发布时间：2018-02-25 03:06

本文关键词： 上市银行中间业务经营绩效　出处：《安徽大学》2017年硕士论文　论文类型：学位论文

【摘要】：随着利率市场化改革的不断推进,互联网金融的兴起,金融脱媒的出现,外资银行的进入,资本市场的发展,商业银行面临着前所未有的挑战。一方面竞争不断加剧,金融市场份额被不断瓜分,另一方面利率市场化下利差收窄导致传统的存贷款业务受到冲击,加上经济进入新常态后,经济增速放缓,商业银行也深受影响,盈利能力有所下降。在这种情况下,如何提高商业银行的经营绩效,实现新的发展显得至关重要,为此商业银行纷纷寻求业务转型,寻找新的利润增长点。中间业务作为现代商业银行三大支柱业务之一,因其风险小、成本低、收益高等特点而日益受到商业银行的青睐,成为增加商业银行竞争力和收益的重要途径。虽然近年来我国商业银行中间业务发展很快,但是与西方发达国家银行相比我国商业银行中间业务发展水平还很低,在总体规模、营业收入占比、种类数量以及创新程度等方面均存在着较大的差距。中间业务是商业银行转型的方向之一,怎样发展中间业务以及如何合理安排中间业务的结构,成为直接影响商业银行经营绩效的关键问题。中间业务的种类很多,主要包括银行卡业务、结算业务、代理委托业务、担保承诺业务等,中间业务的收入结构代表着商业银行中间业务的发展水平,在一定程度上反映了中间业务未来的发展趋势。因而对其子业务的研究,也具有一定的现实意义。本文选取了 16家上市银行2010-2015年的财务数据,试图探讨上市银行中间业务及其主要子业务对其经营绩效的影响。文章首先介绍了有关中间业务和经营绩效的相关概念,对中间业务与经营绩效的相关关系进行了一般性的理论分析,其次,对我国上市银行的经营绩效及其中间业务的发展现状进行了详细的分析,剖析了我国中间业务发展过程中存在的问题,并借助实证研究方法探究上市银行中间业务及其主要子业务对其经营绩效的影响。实证结果显示中间业务对上市银行经营绩效有显著的正向促进作用,与此同时,结算业务、代理委托业务与上市银行经营绩效也存在着显著的正相关关系,而这种影响也存在着差异,但是银行卡业务与上市银行经营绩效呈负相关关系,担保承诺业务对上市银行经营绩效的正向影响并不显著。最后根据实证分析结果提出了上市银行应该如何更好的发展中间业务以提高经营绩效的对策建议:第一,重视中间业务发展,扩大中间业务规模,提高中间业务收入在营业收入中所占的比重;第二,不断完善中间业务收入结构,促进中间业务良性发展;第三,以银行卡为主要工具,带动上市银行其他中间业务发展;第四,加快转变上市银行传统的经营管理理念,积极实施业务转型。
[Abstract]:With the reform of interest rate marketization, the rise of Internet finance, the emergence of financial disintermediation, the entry of foreign banks and the development of capital market, commercial banks are facing unprecedented challenges. The share of the financial market has been continuously divided. On the other hand, the narrowing of interest rate differentials under the marketization of interest rates has hit the traditional deposit and loan business. After the economy has entered the new normal, the economic growth rate has slowed, and commercial banks have also been greatly affected. In this case, how to improve the business performance of commercial banks and achieve new development is very important. As one of the three pillar businesses of modern commercial banks, intermediate business is increasingly favored by commercial banks because of its characteristics of low risk, low cost and high income. It has become an important way to increase the competitiveness and income of commercial banks. Although the intermediary business of commercial banks in China has developed rapidly in recent years, the level of intermediate business development of commercial banks in China is still very low compared with the banks in western developed countries, and on the overall scale, There is a big gap in the proportion of business income, the number of types and the degree of innovation. Intermediate business is one of the directions of commercial bank transformation, how to develop intermediate business and how to arrange the structure of intermediate business reasonably. It has become a key issue that directly affects the business performance of commercial banks. There are many types of intermediate business, mainly including bank card business, settlement business, agency entrustment business, guarantee and commitment business, etc. The income structure of the intermediate business represents the development level of the intermediate business of the commercial bank, and to some extent reflects the future development trend of the intermediate business. This paper selects the financial data of 16 listed banks from 2010 to 2015. This paper attempts to discuss the influence of intermediary business and its main sub-business of listed banks on their business performance. Firstly, this paper introduces the related concepts of intermediary business and business performance. This paper makes a general theoretical analysis on the relationship between intermediate business and business performance. Secondly, it makes a detailed analysis of the performance of listed banks in China and the development of intermediary business. The problems existing in the development of intermediate business in China are analyzed. The empirical results show that the intermediary business has a significant positive effect on the operating performance of listed banks, and at the same time, the settlement business. There is also a significant positive correlation between the agency entrusted business and the operating performance of listed banks, and there are differences in this effect, but there is a negative correlation between the bank card business and the operating performance of listed banks. The positive impact of guarantee commitment on the performance of listed banks is not significant. Finally, according to the results of empirical analysis, the paper puts forward the countermeasures and suggestions on how to develop intermediary business better to improve the performance of listed banks: first, Attach importance to the development of intermediary business, expand the scale of intermediary business, and increase the proportion of intermediate business income in business income; second, continuously improve the structure of intermediate business income to promote the sound development of intermediate business; third, With bank card as the main tool to drive the development of other intermediary business of listed banks; 4th accelerate the transformation of the traditional management concept of listed banks and actively implement the business transformation.
【学位授予单位】：安徽大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2

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