全国性股份制上市商业银行盈利模式研究

发布时间：2018-03-14 07:24

本文选题：全国性股份制上市商业银行　切入点：盈利模式　出处：《东北农业大学》2014年硕士论文　论文类型：学位论文

【摘要】：近年来我国商业银行发展迅速,银行业整体竞争力有所提高。但随着金融全球化的发展趋势日益加剧,利率市场化的不断推进,加上我国金融市场开放程度的提高,外资银行大量涌入,使得我国银行业的竞争逐渐扩大,我国银行业传统的以利差收入为导向的盈利模式面临着严峻的挑战。因此,如何转变盈利模式成为银行业发展的关键。本文立足于8家全国性股份制上市商业银行(包括兴业银行、招商银行、民生银行、光大银行、浦发银行、中信银行、华夏银行及平安银行)盈利模式的发展现状,将银行经营理念和战略布局观念融入了盈利模式涵义中,认为盈利模式是在银行不同经营理念和战略指导下形成的盈利渠道及对应的业务结构,并对8家银行的业务收入结构进行了分析,结合银行盈利模式类型,为8家银行盈利模式进行了重分类。以2008-2012年财务数据为样本,采用因子分析法对盈利模式进行了绩效评价,建立了指标的评价系统,分析结果将指标归结为四个因子,分别为风险管理创利因子、流动性管理创利因子、创新能力因子及成长性因子,结论显示综合排名第一位的为兴业银行、随后为招商银行、民生银行、浦发银行、光大银行、平安银行、中信银行及华夏银行。在风险管理创利因子下,中信银行和浦发银行位居前两名,华夏银行和平安银行排名相对落后。在流动性管理创利因子下,兴业银行排名第一,体现了其较强的资金配置能力,其次为平安银行和浦发银行。在创新能力因子下,兴业银行仍居第一,主要体现在中间业务的创新上,其次为招商银行和光大银行。成长性因子上,民生银行排名第一,其次为兴业银行和光大银行。采用了规范分析的方法对全国性股份制上市银行盈利模式的影响因素进行了论证,包括五个方面,分别为金融市场结构、监管制度、创新能力、治理结构及对中小企业扶持政策。提出了可供全国性股份制上市银行选择的盈利模式,包括互联网金融模式、混业经营模式及个人零售业务模式。最后,结合实证分析,提出模式转变对策,包括应完善金融监管体制,应加强人才建设,提高银行员工的职业技能,积极拓展中间业务,大力发展互联网金融及网上、移动银行等新兴业务。建立健全有效的内部治理机构,加强风险管理,完善风险管理系统的构建,同时要采用渐进式的发展思路进行盈利模式的转变。
[Abstract]:In recent years, China's commercial banks have developed rapidly, and the overall competitiveness of the banking industry has been improved. However, with the increasing trend of financial globalization, the promotion of marketization of interest rates and the improvement of the degree of openness of our financial market, The influx of foreign banks makes the competition of our banking industry expand gradually, and the traditional profit model of China's banking industry is facing a severe challenge. Therefore, how to change the profit model becomes the key to the development of the banking industry. This paper is based on the development of the profit models of 8 national joint-stock listed commercial banks (including Industrial Bank, China Merchants Bank, Minsheng Bank, Everbright Bank, Pudong Development Bank, CITIC Bank, Huaxia Bank and Ping an Bank). The concept of bank management and strategic layout is integrated into the meaning of profit model. It is considered that profit mode is the profit channel and corresponding business structure formed under the guidance of different management ideas and strategies of the bank. This paper also analyzes the business income structure of 8 banks, and reclassifies the profit models of 8 banks with the types of bank profit models. Taking the financial data from 2008 to 2012 as the sample, the paper evaluates the performance of the profit models by factor analysis. The evaluation system of the index is established, and the result of the analysis divides the index into four factors, namely risk management profit factor, liquidity management profit creation factor, innovation ability factor and growth factor, and the index is divided into four factors: risk management profit factor, liquidity management profit creation factor, innovation ability factor and growth factor. The conclusion shows that the first overall ranking is Industrial Bank, followed by China Merchants Bank, Minsheng Bank, Pudong Development Bank, Everbright Bank, Ping an Bank, CITIC Bank and Huaxia Bank. Under the risk management profit factor, Citic Bank and Pudong Development Bank are in the top two places, while Huaxia Bank and Ping an Bank are relatively backward. Under the liquidity management profit creation factor, Industrial Bank ranks first, reflecting its strong ability to allocate funds. Second, Ping an Bank and Pudong Development Bank. Under the innovation ability factor, Industrial Bank still ranks first, mainly reflected in the innovation of intermediate business, followed by China Merchants Bank and Everbright Bank. In terms of growth factors, Minsheng Bank ranks first. Followed by Industrial Bank and Everbright Bank. The paper uses the normative analysis method to demonstrate the influencing factors of the profit model of the national stock listed banks, including five aspects, namely, the structure of the financial market, the supervision system, and the innovation ability. The governance structure and supporting policies for small and medium-sized enterprises. This paper puts forward the profit model which can be chosen by national joint-stock listed banks, including Internet finance model, mixed business model and individual retail business model. Some countermeasures are put forward, including perfecting the financial supervision system, strengthening the construction of talents, improving the vocational skills of bank staff, actively expanding intermediate business, and developing Internet finance and internet. Mobile banking and other new business. To establish a sound and effective internal governance institutions, strengthen risk management, improve the construction of risk management system, at the same time, we should adopt progressive development ideas to transform the profit model.
【学位授予单位】：东北农业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.51;F832.33

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