国有银行和中小股份制商业银行中间业务收入比较研究

发布时间：2018-12-31 09:59

【摘要】：商业银行在市场经济发展过程中起着杠杆作用,是直接参与市场经济的活动主体,同时是货币流通的重要媒介,在我国的经济模式下商业银行对市场经济发展、汇率、资金流通、货币政策等至关重要。我国的商业银行从建立之初就一直随着时代的变迁和我国的经济发展状况而变革,随着我国改革开放的不断深入,世界经济一体化的发展,尤其是伴随着利率市场化和金融脱"媒"的市场改革深化,以往存贷款业务的利润受到了极大的冲击。中国加入世贸组织后为了使我国商业银行在市场上更有活力,银行要在金融业保持强劲的竞争力必须要大力发展中间业务。我国商业银行中间业务发展较西方发展较迟,2002年我国正式颁布了《商业银行中间业务暂行规定》,将中间业务分类为:支付结算类中间业务、银行卡业务、代理类中间业务、担保及承诺类中间业务、交易类中间业务、投资银行业务、基金托管业务、咨询顾问类业务、其他类中间业务共九大类。我国商业银行中间业务近年来发展较快,不论是中间业务的收入还是中间业务的种类都有了较大的提高,但是国有银行和股份制商业银行因本身经营方式、资产规模、市场定位等都是不同的,近10年间这两类商业银行在中间业务发展上也存在着一定的差异。因此有必要对其进行比较研究,结合面板数据和实证研究,迎合十三五规划的需要,为日后我国商业银行进一步发展做出切实的研究。近十年来,国有银行和股份制商业银行中间业务的发展都进入了黄金时期,国家政策的支持和银行自身的重视大大加速了该业务的成长,国有银行和股份制商业银行中间业务发展呈现了不同特点,最大的区别就是从10年前国有银行不管从中间收入额还是中间收入占比都是远超股份制商业银行,然而如今一些股份制商业银行都已经实现对国有银行反超,国有银行的中间业务收入增长率和中间业务收入占比都不及股份制商业银行,可见如果对我国商业银行中间业务一概而论地研究是不合适的,需要通过对比国有银行和股份制商业银行中间业务发展的特点,分析国有银行与股份制商业银行产生差异的原因,对国有银行中间业务发展提出建议与策略。本文所要做的工作,则是希望通过对近些年国有银行和股份制商业银行中间业务比较,找到两大类银行的共性和差异,分析其可能产生的原因,针对国有银行和股份制商业中间业务收入差异影响因素做实证分析,最后对国有银行如何发展中间业务提出对策和建议。本文主要结论:(1)我国商业银行中间业务的发展与宏观因素和微观因素都是紧密联系的;(2)国有银行和股份制商业银行中间业务收入在近十年都有较大的发展在实证研究中,影响国有银行中间业务收入占比的因素要多于股份制商业银行;(3)通过比较国有银行和股份制商业银行实证结果,国有银行中间业务收入占比受资产利润率影响最为显著;股份制商业银行中间业务收入占比受国内生产总值增长率影响最为显著;(4)从比较国有银行和股份制商业银行近十年中间业务收入角度出发,两类商业银行呈现着不同的发展状态。根据结论对国有银行提出了相关对策和建议:(1)加快利率市场化进程,推动商业银行金融"脱媒";(2)加强对国有银行中间业务风险的控制和监管;(3)鼓励国有银行开发新型产品,避免"同质化"现象严重;(4)深化国有银行管理机制的改革;(5)发挥市场优势,提高产品创新能力;(6)规范中间业务产品定价机制。
[Abstract]:The commercial bank's leverage in the course of the development of the market economy is the main body directly involved in the market economy, and it is the important medium of the circulation of the money. In the economic mode of our country, the commercial bank is of great importance to the development of the market economy, the exchange rate, the capital circulation, the monetary policy and so on. From the beginning of the establishment, the commercial bank of our country has changed with the change of the times and the state of the economic development of our country, with the deepening of the reform and opening-up of our country, the development of the economic integration of the world, especially with the deepening of the market reform of the market-oriented and financial de"medium" of the interest rate, The profit of the past deposit and loan business has been greatly impacted. After China's accession to the WTO, in order to make the commercial banks more dynamic in the market, the banks must maintain strong competitiveness in the financial industry. The development of the intermediate business of the commercial bank of our country is more late than that of the west. In 2002, the Interim Provisions on the Intermediate Business of the Commercial Bank have been officially promulgated, and the intermediate business is classified as the intermediate business of the payment and settlement class, the bank card business, the agent's intermediate business, the guarantee and the commitment class. Transaction-based intermediate business, investment banking, fund-managed business, consulting service, and other intermediate-class operations are nine major classes. In recent years, the middle business of the commercial bank of our country has developed relatively fast in recent years, whether the income of the intermediate business or the kind of the intermediate business has been greatly improved, but the state-owned banks and the joint-stock commercial banks are different due to their own way of operation, the size of the assets, the market position and so on. In the past 10 years, there are some differences between the two types of commercial banks in the development of the intermediate business. Therefore, it is necessary to make a comparative study, combine the panel data and the positive research, to meet the needs of the 13th Five-Year Plan, and make a practical study for the further development of our commercial banks in the future. In the last ten years, the development of the intermediate business of the state-owned banks and the joint-stock commercial banks has entered the golden period, and the support of the state policy and the value of the bank have greatly accelerated the growth of the business, and the development of the intermediate business of the state-owned banks and the joint-stock commercial banks has different characteristics. The biggest difference is that the state-owned banks from 10 years ago, whether from the middle or the middle income, are far-joint-stock commercial banks, but now some of the joint-stock commercial banks have realized the anti-monopoly of state-owned banks, The middle business income growth rate and the intermediate business income of the state-owned banks are less than that of the joint-stock commercial banks, and it can be seen that if it is inappropriate to study the middle business of the commercial banks in our country, it is necessary to compare the characteristics of the intermediate business development of the state-owned banks and the joint-stock commercial banks. The reason of the difference between the state-owned banks and the joint-stock commercial banks is analyzed, and suggestions and strategies for the development of the intermediate business of the state-owned banks are put forward. In this paper, it is hoped that by comparing the intermediate business of state-owned banks and joint-stock commercial banks in recent years, the commonness and difference of two types of banks can be found, and the possible causes are analyzed. The paper makes an empirical analysis on the influence factors of the income difference between the state-owned banks and the commercial intermediate business of the stock-stock system, and finally puts forward some countermeasures and suggestions on how to develop the intermediate business of the state-owned banks. The main conclusions are as follows: (1) The development of the intermediate business of the commercial banks in China is closely related to the macro-factors and the micro-factors; (2) the intermediate business income of the state-owned banks and the joint-stock commercial banks has been developed in the positive research in the last ten years, The factors that affect the middle business income of the state-owned banks are more than that of the joint-stock commercial banks; (3) by comparing the positive results of the state-owned banks and the joint-stock commercial banks, the intermediate business income of the state-owned banks is most significant compared with the profit margin of the state-owned banks; The intermediate business income of the joint-stock commercial banks is most affected by the growth rate of the gross domestic product; and (4) the two types of commercial banks have different development status from the comparison of the middle business income of the state-owned banks and the joint-stock commercial banks in the last ten years. according to the conclusion, the state-owned banks have put forward relevant countermeasures and suggestions: (1) to speed up the market-oriented process of interest rate and to promote the financial "out-of-medium" of commercial banks; (2) to strengthen the control and supervision of the intermediate business risk of the state-owned banks; and (3) to encourage state-owned banks to develop new products, Avoid the serious "homogenization" phenomenon; (4) deepen the reform of the management mechanism of the state-owned banks; (5) play the market advantage and improve the product innovation ability; and (6) regulate the pricing mechanism of the intermediate business products.
【学位授予单位】：安徽大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2

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