国有商业银行中间业务发展潜力研究

发布时间：2018-03-06 05:29

本文选题：国有商业银行　切入点：中间业务　出处：《安徽财经大学》2017年硕士论文　论文类型：学位论文

【摘要】：随着金融改革步伐的推进、利率市场化的基本完成以及金融脱媒日渐显著,这在一程度上冲击了商业银行在金融中介的地位,挑战了商业银行传统存贷业务,特别是面对这种严峻的金融形势,商业银行的整体利润增速下滑明显,其仅仅依靠传统存贷利差获得稳定的收益已经非常困难。中间业务由于占用资金少、成本低以及收益高等自身优势,商业银行逐渐由依赖传统的经营模式向中间业务倾斜,成为商业银行获取竞争优势的有利工具。数据显示,近些年商业银行中间业务净收入逐步提高,但在中间业务业务占比和中间业务增速上呈现差异化趋势,上市商业银行在中间业务的发展上有着不同的表现。本文在理论铺垫的基础上,围绕资源因素、经营能力、管理效率和外部环境四个方面设置中间业务发展潜力的评价指标体系,选取五大国有商业银行,结合股份商业银行和城市商业银行对国有商业银行中间业务发展潜力进行描述性统计分析,其次,运用主成分分析法实证分析国有商业银行中间业务发展潜力的大小,为了进一步反映其中间业务发展潜力,并与其他上市商业银行进行实证结果对比。研究表明,国有商业银行中间业务发展潜力整体水平较高,但是具体分析可知其盈利能力、创新能力、人力资源和风险控制方面较为不足。最后,针对研究结果,在业务转型、业务创新、人才培养、个性化服务等几个方面提出相关建议。
[Abstract]:With the development of financial reform, the basic completion of interest rate liberalization and financial disintermediation become more and more significant, which to a certain extent impacts the position of commercial banks in financial intermediation and challenges the traditional deposit and loan business of commercial banks. Especially in the face of this severe financial situation, the overall profit growth rate of commercial banks has declined obviously. It is very difficult for commercial banks to obtain stable returns only by relying on traditional deposit and loan spreads. With the advantages of low cost and high income, commercial banks have gradually shifted from relying on the traditional business model to intermediate business, which has become a favorable tool for commercial banks to gain competitive advantage. In recent years, the net income of intermediate business of commercial banks has gradually increased, but the proportion of intermediate business and the growth rate of intermediate business show a trend of differentiation. Listed commercial banks have different performances in the development of intermediary business. Set up the evaluation index system of intermediate business development potential in four aspects of management efficiency and external environment, select five state-owned commercial banks, Combining the stock commercial bank and the city commercial bank to carry on the descriptive statistical analysis to the state-owned commercial bank intermediate business development potential, secondly, uses the principal component analysis method to analyze the state-owned commercial bank intermediate business development potential magnitude empirically. In order to further reflect its intermediate business development potential, and compare with the empirical results of other listed commercial banks, the study shows that the overall level of intermediate business development potential of state-owned commercial banks is relatively high, but the specific analysis shows that the profitability of the intermediary business development potential of state-owned commercial banks is higher than that of other listed commercial banks. Innovation ability, human resources and risk control are relatively insufficient. Finally, in view of the research results, in the business transformation, business innovation, talent training, personalized services and other aspects of the relevant suggestions.
【学位授予单位】：安徽财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2

【参考文献】