供给侧改革进程中我国商业银行盈利模式转型创新研究：方法与路径

发布时间：2018-03-27 10:18

本文选题：供给侧改革　切入点：商业银行　出处：《云南财经大学》2017年硕士论文

【摘要】：随着我国供给侧结构性改革的不断深入,商业银行传统的以利差收入为主的盈利模式过于单一,其服务实体经济的功能在不断地弱化,并且所带来的收益也在不断地减少,这种盈利模式不再适应目前的市场需求以及商业银行自身的发展,盈利模式的转型尤为迫切。商业银行应回归到服务实体经济,化被动为主动,以国家政策为引导,积极布局供给侧结构性改革,研究并分析市场上涌现出的金融服务需求,从而摸索出自身盈利模式转型方向。本文首先介绍研究的背景、研究的目的及意义、研究的方法等,再结合对国内外研究的总结和相关理论分析,得出本文研究的创新之处,商业银行应转变以往从自身角度出发,以服务实体经济为核心来进行商业银行盈利模式的探索。然后从供给侧结构性改革和商业银行之间的内在联系入手,深入分析商业银行在我国供给侧结构性改革中所起到的作用,以及供给侧结构性改革如何更好地助力商业银行盈利模式的转型,从而得出供给侧改革是商业银行进行盈利模式转型的重要契机。在得出两者间的联系后,本文主要分析商业银行的盈利模式,通过分析商业银行所处的内外部环境,同时根据上市商业银行的年报数据计算9年间我国利息收入占比和非利息收入占比的变化情况等相关比率来综合判断出我国商业银行盈利模式的现状及自身存在的问题,问题在于金融产品和服务同质化明显、金融产品比较优势弱化以及服务实体经济的功能弱化。本文的关注点在于通过对商业银行盈利模式创新分析,商业银行回归到服务实体经济这一本质上来,首先分析商业银行在供给侧结构性改革的“三去一降一补”中所能够采取的措施;其次商业银行应实现差异化竞争,提升区别于同行的金融产品与服务,打造自己的核心竞争力;同时商业银行补足自身短板需要整合多方资源,实现跨界合作。结合供给侧改革的政策导向来对我国商业银行盈利模式转型的路径方向进行分析,在研究过程中得出了金融创新的想法要贯穿于始终。最后为了能够更好地保障商业银行进行盈利模式的转型,要从商业银行自身入手,为盈利模式的转型打造更好的创新机制。
[Abstract]:With the deepening of supply-side structural reform in our country, the traditional profit mode of commercial banks based on interest rate difference income is too single, the function of its service real economy is continuously weakened, and the income it brings is also decreasing. This kind of profit model is no longer adapted to the current market demand and the development of commercial banks themselves, and the transformation of profit model is particularly urgent. Commercial banks should return to the service entity economy, turn passivity into initiative, and take the national policy as the guide. Active layout of supply-side structural reform, research and analysis of the emerging market demand for financial services, so as to explore the transformation direction of their own profit model. Firstly, this paper introduces the background of the study, the purpose and significance of the study, research methods, etc. Combined with the summary of domestic and foreign research and related theoretical analysis, the paper concludes that the innovation of this paper, commercial banks should change the past from their own point of view, Take the service real economy as the core to carry on the commercial bank profit pattern exploration. Then starts from the supply-side structural reform and the commercial bank internal relation, Deeply analyzing the role of commercial banks in supply-side structural reform in China, and how the supply-side structural reforms can help commercial banks to transform their profit-making mode. It is concluded that supply-side reform is an important opportunity for commercial banks to make a profit model transformation. After getting the connection between the two, this paper mainly analyzes the profit model of commercial banks, and analyzes the internal and external environment of commercial banks. At the same time, according to the annual report data of listed commercial banks, the paper calculates the changes of interest income and non-interest income in China during the past nine years to comprehensively judge the current situation and the existing problems of China's commercial banks' profit model. The problem lies in the obvious homogeneity of financial products and services, the weakening of comparative advantage of financial products and the weakening of the function of service real economy. The essence of commercial banks returning to the service real economy is to first analyze the measures that commercial banks can take in the supply-side structural reform of "three go, one go, one decline and one supplement"; secondly, commercial banks should realize differentiated competition. To enhance the financial products and services that are different from their peers, and to build their own core competitiveness; at the same time, commercial banks need to integrate various resources to complement their own weaknesses. To realize cross-border cooperation and combine the policy orientation of supply-side reform to analyze the path direction of the transformation of commercial banks' profit mode in China. In the course of the research, the idea of financial innovation should run through all the time. Finally, in order to better ensure the commercial banks to make the transformation of profit mode, we should start with the commercial banks themselves, and create a better innovation mechanism for the transformation of the profit model.
【学位授予单位】：云南财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.33;F830.42

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