我国上市商业银行收入结构对盈利能力影响的研究

发布时间：2018-06-27 16:58

本文选题：上市商业银行 + 收入结构　；参考：《首都经济贸易大学》2017年硕士论文

【摘要】：随着我国经济环境的不断变化和金融市场的持续变革,我国上市商业银行业力求改变过去以利息净收入为主的业务模式,逐渐向多元化的收入结构转变。如今,各家银行的非利息收入份额已经普遍增至20%以上,即便如此,也无法改变商业银行以传统存贷差为主要盈利来源的现实。伴随着我国经济增速持续放缓、利率市场化基本实现、互联网金融迅猛发展,我国银行的息差进一步收缩、盈利增速不断放缓,其中,国有银行的净利增速成个位数增长已是大势所趋,并且正在向“零时代”逼近;股份制银行的净利润增速好于国有银行,但也仅仅在5%的水平。在这样的背景下,我国上市商业银行如何应对各方面的挑战,进而增强自身的盈利能力已成为各银行迫切需要解决的难题。由于商业银行的收入是形成其利润的来源,不同的收入结构对商业银行盈利能力的作用也会有所区别,因此本文将重点分析我国上市商业银行收入结构的发展现状,并研究其对盈利能力的具体影响情况,为促进我国上市商业银行的转型升级、提升它们的盈利能力提出合理建议。本文将从六个方面展开:第一章为引言部分。主要概述了本文的研究背景和研究意义,总结了国内外学者的研究成果,并在他们的研究基础上,确定了本文的研究内容和方法,然后介绍了创新与不足之处。第二章是理论基础的介绍,为论文的研究提供理论支持。第三章和第四章分别对我国13家上市银行的收入结构和盈利能力的现状进行了分析,关于收入结构对盈利能力的影响得出了初步判断。接着运用Stata计量软件,以13家最具代表性的上市商业银行为研究对象,选取2012年1季度至2016年3季度共19个季度的银行数据作为研究样本,分别对全部样本、国有银行和上市股份制银行进行回归分析,得出各类银行收入结构对盈利能力的影响。第六章是根据前文的分析,为调整并优化商业银行的收入结构,进而提升它们的盈利能力提出合理的建议。研究结论表明,更加多元化的收入结构会降低上市商业银行的盈利水平;净息差的提高不利于国有银行盈利的提升,但可以明显增强股份制银行的盈利;增加非利息收入的占比可以使两类银行的盈利水平都得到提升,尤其对国有银行的促进作用更加明显。因此,国有银行应该形成以非利息业务为主要盈利来源的收入结构,股份制银行仍然应该以利息净收入为主业,逐步发展非利息业务。
[Abstract]:With the continuous change of economic environment and financial market, the listed commercial banks of our country try to change the business mode which used to be based on net interest income, and gradually change to the diversified income structure. Even now that banks' share of non-interest income has risen to more than 20 percent, it does not change the reality that commercial banks rely on traditional deposit and loan differentials as their main source of profit. With the sustained slowdown of China's economic growth, the basic realization of marketization of interest rates, the rapid development of Internet finance, the further contraction of interest rates in China's banks, and the slowing down of profit growth, among them, The single-digit growth rate of net profit of state-owned banks has been the trend and is approaching the "zero era"; the net profit growth rate of joint-stock banks is better than that of state-owned banks, but it is only 5%. In this context, how to deal with the challenges of listed commercial banks in China, and then enhance their profitability has become an urgent problem that banks need to solve. Since the income of commercial banks is the source of their profits, the function of different income structures on the profitability of commercial banks will be different, so this paper will focus on the analysis of the current situation of the development of the income structure of listed commercial banks in China. In order to promote the transformation and upgrade of China's listed commercial banks and improve their profitability, reasonable suggestions are put forward. This paper will be carried out from six aspects: the first chapter is the introduction. This paper summarizes the research background and significance of this paper, summarizes the research results of domestic and foreign scholars, and on the basis of their research, determines the contents and methods of this paper, and then introduces the innovation and shortcomings. The second chapter is the introduction of the theoretical basis, which provides theoretical support for the research of the thesis. The third and fourth chapters respectively analyze the current situation of the income structure and profitability of 13 listed banks in China, and draw a preliminary judgment on the influence of income structure on profitability. Then using Stata measurement software, taking 13 most representative listed commercial banks as the research object, the bank data of 19 quarters from the first quarter of 2012 to the third quarter of 2016 are selected as the research samples, respectively. The regression analysis of state-owned banks and listed joint-stock banks shows the influence of income structure on profitability. The sixth chapter is based on the previous analysis, to adjust and optimize the income structure of commercial banks, and then improve their profitability put forward reasonable suggestions. The research results show that more diversified income structure will reduce the profit level of listed commercial banks, the increase of net interest margin is not conducive to the increase of profits of state-owned banks, but it can obviously enhance the profitability of joint-stock banks. Increasing the proportion of non-interest income can improve the profit level of both banks, especially for state-owned banks. Therefore, the state-owned banks should form the income structure with the non-interest business as the main profit source, and the joint-stock banks should still take the net interest income as the main business and develop the non-interest business step by step.
【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.33

【相似文献】