我国商业银行中间业务的范围经济效应研究

发布时间：2018-01-03 08:16

本文关键词：我国商业银行中间业务的范围经济效应研究　出处：《江西财经大学》2016年硕士论文　论文类型：学位论文

【摘要】：改革开放30多年来,我国的金融体系在建立健全,金融体制改革也获得了重大成效。在我国金融机构综合金融程度不断加深、金融脱媒化进程加快以及利率市场化逐步深入尤其是我国进入经济新常态的大背景下,金融行业传统的盈利模式难以为继。与此同时,国内商业银行还面临着众多外资银行的市场竞争压力,尤其这些外资银行具备高端的技术支持和丰富的金融服务经验。国内外环境的变化使国内商业银行认识到将中间业务摆在发展战略地位刻不容缓。虽然近10余年来我国银行业中间业务的拓展呈现出不断增长的态势,但是中间业务发展总体水平和质量不高,尤其与发达国家业务质量相比差距甚远,比如2012年国内中间业务收入占比尚不到20%,而美国在2004年的中间业务入占比就已经超过45%。因此,探索以非利息收入为主的盈利模式对于提高国内银行业的范围经济效应存在十分必要的战略意义和实际意义。本文旨在探索中间业务的开展对于银行业是否产生范围经济效应、产生多大的范围经济效应以及如何提高其范围经济效应。文章首先对中间业务以及范围经济的基本理论做出概述,然后针对国内银行业中间业务的发展现状和影响原因做出阐述,基于上述分析采用广义超越对数成本函数模型从收益变化的角度进行实证分析,再结合国外银行业中间业务的发展经验,最后得出结论和政策建议。本文选取和整合2005～2014年15家国内商业银行的相关资料并做出实证分析,从计量结果可以看出,开展中间业务将会提高银行总体的营业收入,而且研究结果也表明中间业务的范围经济效应是存在的。此外,从范围经济效应程度的角度来看,国有商业银行总体上相对更具优势,但是这种差距也在逐渐缩小。
[Abstract]:30 years of reform and opening up, China's financial system in the establishment of a sound, the financial system reform has gained great achievements. In the comprehensive financial deepening degree of China's financial institutions, financial disintermediation and speeding up the process of marketization of interest rate gradually especially the background of China's economy into the new normal under the traditional financial industry difficult to continue profit model. At the same time, the domestic commercial banks are facing the pressure of market competition many foreign banks, especially the foreign banks have technical support of high-end and rich experience in financial services. The changing environment at home and abroad to the domestic commercial banks to realize the strategic position in the development of intermediate business imperative. Although I expand in recent 10 years China banking intermediary business is showing a growing trend, but the overall level of development of intermediary business and the quality is not high, especially with the developed country industry Service quality gap very far, for example, in 2012 the domestic intermediate business income accounted for less than 20%, while the United States in 2004 into the intermediate business accounted for more than 45%. so, to explore the non interest income based profit model for the economic effect of scope to improve the domestic banking industry in the strategic sense is very necessary and practical significance carry out. This paper aims to explore the intermediary business for the banking industry is the economic effect of scope, the scope of economic effect how much and how to improve the economic effect of scope. Firstly, the basic theory of the intermediary business and economy of scope and then make overview of its status and influence to domestic intermediate banking business to make the above analysis. By using the generalized translog cost function model to analyze the change from the income based on the perspective of combining the foreign banking intermediary business The development experience, finally draw conclusions and policy recommendations. This paper selects the relevant data and integration of 2005 ~ 2014 15 domestic commercial banks and make empirical analysis, from the measurement results can be seen that the development of intermediate business of banks will improve the overall revenue, and the range of research on the economic effect of the results also show that the intermediate business is there. In addition, from the point of view of the scope economy effect, the state-owned commercial banks generally relatively more competitive, but the gap is gradually narrowing.

【学位授予单位】：江西财经大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.2

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