上市商业银行业务创新能力对绩效影响研究

发布时间：2018-04-16 12:17

本文选题：上市商业银行 + 业务创新能力　；参考：《江苏科技大学》2017年硕士论文

【摘要】：创新是进步的动力源泉,是兴旺发达的根本保障。创新对各行各业永远都是不过时的主旋律,创新不止,发展无前。长期以后,商业银行在我国金融业的发展中起着中流砥柱的作用,在间接融资占比居于主导地位的现阶段,商业银行对经济转型发展至关重要。但是,长期以来商业银行的发展极度依赖存贷款业务,业务创新能力较低。同时,在宏观经济环境中,利率市场化的推进、经济结构的转型升级、过剩产能化解带来的资产质量问题,无疑都对商业银行的发展带来的前所未有的挑战。此外,互联网金融优势明显,助推商业银行负债成本,稀释商业银行客户群体,分流商业银行存款业务,同时外资银行不断涌入,国内商业银行市场份额被不断蚕食,商业银行业务发展面临瓶颈。因此,商业银行业务创新能力提高迫在眉睫。本文以16家上市商业银行为主要研究对象,在既有的理论基础上,首先通过对前人研究创新能力概念研究进行综述回顾,剖析创新能力的基本内涵,同时对创新能力概念进行总结和评述。其次,对绩效概念、内容研究进行综述回顾,总结绩效评价的基本方法,评价各种绩效确定方法的优缺点。然后再从创新能力对绩效形成的作用机理研究进行综述回顾,总结创新能力对绩效的作用的一般机理,为本研究奠定理论基础。从上市商业银行日常三大业务分类着手—资产业务、负债业务、中间业务,分别定义相关的资产业务创新能力、负债业务创新能力和中间业务创新能力的基本内涵,并选取九项观测指标用以衡量业务创新能力水平,通过因子分析方法确定各自业务创新能力因子,作为综合衡量各自业务创新能力的变量。结合上市商业银行经营特点和本质属性,选取经营绩效、发展能力绩效以及风险管理绩效三个方面进行评价分析,并为各自绩效选取八项的观测指标,通过因子分析法确定各自绩效因子,用以衡量上市商业银行各方面的综合绩效水平。最后通过实证方法,确定各业务创新能力对各绩效的影响关系,得出本文的主要研究结论。并针对研究结论和上市商业银行业务创新和发展现状,给出提高上市商业银行业务创新能力的具体措施以此来提高绩效水平。通过实证研究表明:中间业务创新能力对经营绩效和风险管理绩效有着显著的正相关影响。资产业务创新能力对发展能力绩效和风险管理绩效有着显著性的正相关影响。
[Abstract]:Innovation is the power source of progress and the fundamental guarantee of prosperity.Innovation is always the main melody of all kinds of industries, innovation is not only, development is not before.After a long period of time, commercial banks play an important role in the development of our financial industry. At the present stage, indirect financing plays a leading role in the development of economic transformation.However, for a long time, the development of commercial banks is extremely dependent on deposit and loan business, and the ability of business innovation is low.At the same time, in the macroeconomic environment, the promotion of marketization of interest rate, the transformation and upgrading of economic structure, and the solution of asset quality problems caused by excess capacity undoubtedly bring unprecedented challenges to the development of commercial banks.In addition, the advantages of Internet finance are obvious, contributing to the cost of commercial banks' liabilities, diluting the customer base of commercial banks, diverting deposits from commercial banks, and at the same time, foreign banks are constantly pouring in, and the market share of domestic commercial banks is constantly being eroded.The commercial bank business development faces the bottleneck.Therefore, the commercial bank business innovation ability enhancement is imminent.In this paper, 16 listed commercial banks as the main research object, on the basis of existing theory, through the review of previous research on the concept of innovation ability, analyze the basic connotation of innovation ability.At the same time, the concept of innovation ability is summarized and commented.Secondly, review the concept and content of performance, summarize the basic methods of performance evaluation, evaluate the advantages and disadvantages of various performance determination methods.Then the research on the mechanism of innovation ability on the formation of performance is reviewed, and the general mechanism of the effect of innovation ability on performance is summarized, which lays a theoretical foundation for this study.Starting from the three categories of daily business of listed commercial banks-assets business, liability business, intermediate business, the basic connotation of innovation ability of assets business, debt business innovation ability and intermediate business innovation ability are defined, respectively, which are related to the assets business innovation ability, the liability business innovation ability and the intermediate business innovation ability, respectively.Nine observation indexes are selected to measure the level of business innovation ability and the factor analysis method is used to determine their business innovation ability factors as the variables to comprehensively measure their business innovation ability.Combined with the management characteristics and essential attributes of listed commercial banks, this paper selects three aspects of management performance, development ability performance and risk management performance to evaluate and analyze, and selects eight observation indicators for their respective performance.Through factor analysis to determine their performance factors, to measure the comprehensive performance of listed commercial banks in all aspects.Finally, through the empirical method, to determine the impact of the business innovation ability on the performance of the relationship, draw the main conclusions of this paper.According to the conclusion of the research and the present situation of business innovation and development of listed commercial banks, the concrete measures to improve the ability of business innovation of listed commercial banks are given to improve the performance level of listed commercial banks.The empirical study shows that the innovation ability of intermediate business has a significant positive correlation with the performance of business and risk management.The innovation ability of asset business has significant positive correlation to the performance of development ability and risk management.
【学位授予单位】：江苏科技大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.51;F832.33;F273.1;F830.42

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