利率市场化背景下宁夏银行盈利模式的转型研究

发布时间：2018-03-15 01:01

本文选题：利率市场化　切入点：宁夏银行　出处：《宁夏大学》2017年硕士论文　论文类型：学位论文

【摘要】：20世纪70年代以来,经济一体化、金融自由化浪潮推动了利率市场化的实现,促进了世界经济的发展。利率市场化的深入要求银行业转变现有盈利模式。但随着存款利率市场化逐渐深入,存款利率放开,银行负债成本增加相对较快,银行利差收入面临向下压力。因而,商业银行只有转变依靠存贷款利差收入为主的盈利模式,发展扩大非利息业务收入的盈利模式。宁夏银行是1998年由宁夏回族自治区、银川市两级政府及企业入股组建的一家股份制地方银行。对利率市场化背景下宁夏银行的盈利模式的转型研究,不仅对目前增强宁夏银行的盈利能力有着积极作用,还对本地其他中小金融机构的盈利模式转型有着借鉴意义、为增强西部地区城市商业银行整体服务能力和改革绩效都有着极为重要的带动作用。本文以宁夏银行为例,研究其盈利模式创新的途径和方法。第一,对利率市场化、商业银行及盈利模式的含义进行了界定,对商业银行盈利模式理论进行归纳总结;第二,在相关理论作为前提的基础下,结合收集到的年报数据、媒体网络数据,分析宁夏银行目前主要盈利模式,面临的机遇和挑战,运营情况和问题;并全面研究利率回归资本市场对于宁夏银行盈利模式造成的正负面影响。第三,选取财务指标以宁夏银行、黄河银行、石嘴山银行作为研究对象,进行盈利能力的比较;同时选取招商银行作为比较对象,主要对招商银行和宁夏银行的非利息收入进行比较,寻找两者的差距,总结适合宁夏以后的发展经验。第四,得出本文的研究结论,对利率市场化背景下宁夏银行盈利模式转型进行研究,提出建议:增加自主定价权,推动非利息业务,表内外业务创新等。
[Abstract]:Since 1970s, economic integration and financial liberalization have promoted the realization of interest rate liberalization. This has promoted the development of the world economy. The deepening of interest rate liberalization requires the banking industry to change its existing profit model. However, with the gradual deepening of the marketization of deposit interest rates and the liberalization of deposit interest rates, the cost of bank liabilities increases relatively quickly. Bank interest margin income is under downward pressure. Therefore, commercial banks can only change their profit model, which mainly depends on deposit and loan interest margin income, and develop a profit model to expand non-interest business income. In 1998, Ningxia Bank was established in Ningxia Hui Autonomous region. A joint-stock local bank set up by two levels of government and enterprises in Yinchuan City. The study on the transformation of the profit model of Ningxia Bank under the background of marketization of interest rate not only plays a positive role in enhancing the profitability of Ningxia Bank at present. It is also of great significance for other small and medium-sized financial institutions in the region to transform their profit models, and play an extremely important role in promoting the overall service capacity and reform performance of urban commercial banks in the western region. This paper takes Ningxia Bank as an example. First, it defines the interest rate marketization, the meaning of commercial bank and profit model, summarizes the profit model theory of commercial bank. On the basis of relevant theories, combined with the annual report data collected and media network data, this paper analyzes the current main profit model, opportunities and challenges, operation situation and problems of Ningxia Bank. And comprehensively study the positive and negative impact of the return of interest rate capital market on the profit model of Ningxia Bank. Thirdly, select the financial indicators of Ningxia Bank, Yellow River Bank, Shizuishan Bank as the research object, and compare the profitability of Ningxia Bank, Yellow River Bank and Shizuishan Bank; At the same time, select China Merchants Bank as the comparative object, mainly compare the non-interest income of China Merchants Bank and Ningxia Bank, find out the gap between the two, summarize the development experience suitable for Ningxia. 4th, draw the conclusion of this paper. This paper studies the transformation of profit mode of Ningxia Bank under the background of interest rate marketization, and puts forward some suggestions: to increase the independent pricing power, to promote the non-interest business, to innovate the internal and external business, and so on.
【学位授予单位】：宁夏大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.33;F830.42;F832.5

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