利率市场化、中间业务收入结构对商业银行经营绩效的影响研究

发布时间：2018-03-14 08:40

本文选题：利率市场化　切入点：中间业务收入结构　出处：《西安理工大学》2017年硕士论文　论文类型：学位论文

【摘要】：中间业务是商业银行经营业务的重要组成部分,从二十一世纪初我国商业银行中间业务收入占总收入的比重在不断增加,中间业务逐渐成为商业银行重要的收入来源之一。近几年来,随着利率市场化的不断推进,息差在不断收窄,我国商业银行的存贷业务受到极大的冲击,商业银行的利润规模产生下滑的态势。面对这种情况,许多商业银行将发展中间业务作为当下关键战略,将中间业务收入当作重要的利润支撑点。另一方面,利率市场化的渐进同时伴随着金融深化,为金融创新提供了丰厚的沃土,也是进行中间业务产品创新的好时机。然而在中间业务发展的过程中,中间业务的业务重心也同时发生转移,由结算清算类、代理类等传统业务向银行卡类、电子银行类、投资银行类等创新型业务转型,同时担保承诺类、贸易融资类等具有风险的中间业务规模也在不断扩张,因而导致商业银行中间业务内部结构发生变化,这种变化是否会促进商业银行改善当前经营绩效成为本文研究的重点。本文将商业银行中间业务收入结构作为主要研究点,依照我国三类商业银行2007年-2015年的年度数据,分析我国商业银行中间业务收入结构变化规律。然后从理论角度分析利率市场化、中间业务收入结构、经营绩效三者之间的影响关系,进而运用面板数据分析方法,从实证分析利率市场化对商业银行中间业务收入结构的影响以及中间业务收入结构对商业银行经营绩效所产生的影响,剖析其背后所产生的原因,以此来指导商业银行在利率市场化的背景之下,如何改善自身的中间业务收入结构以达到改善经营绩效的目的。
[Abstract]:Intermediary business is an important part of commercial bank business. Since the beginning of 21th century, the proportion of intermediate business income in total income of commercial banks in China has been increasing. Intermediary business has gradually become one of the important sources of income for commercial banks. In recent years, with the continuous promotion of marketization of interest rates, the spread of interest rates has been narrowing, and the deposit and loan business of commercial banks in China has been greatly impacted. The profit scale of commercial banks is declining. Faced with this situation, many commercial banks regard the development of intermediary business as the key strategy and the income of intermediate business as an important supporting point of profits. On the other hand, The gradual development of interest rate marketization is accompanied by financial deepening, which provides rich fertile ground for financial innovation, and is also a good time for intermediate business product innovation. However, in the process of intermediary business development, At the same time, the center of gravity of the intermediary business has also shifted from settlement, clearing, agency and other traditional businesses to innovative business such as bank cards, electronic banking, investment banking, and so on. The scale of such risky intermediate businesses as trade finance is also expanding, which leads to changes in the internal structure of the intermediary business of commercial banks. Whether this kind of change will promote the commercial bank to improve the current management performance becomes the focal point of this paper. This paper regards the income structure of the commercial bank intermediate business as the main research point, according to the annual data of the three kinds of commercial banks from 2007 to 2015 in our country. This paper analyzes the changing law of intermediate business income structure of commercial banks in China, and then analyzes the influence relationship among interest rate marketization, intermediate business income structure and management performance from a theoretical point of view, and then uses panel data analysis method. From the empirical analysis of the impact of marketization of interest rate on the structure of intermediate business income of commercial banks and the impact of the structure of income structure of intermediate business on the performance of commercial banks, the reasons behind it are analyzed. Under the background of interest rate marketization, how to improve the income structure of intermediate business in order to improve the performance of commercial banks.
【学位授予单位】：西安理工大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2;F832.5;F830.42

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