金融服务多样化的效益测算与分析

发布时间：2018-01-20 18:50

本文关键词： 商业银行金融服务多样化非利息收入效益测算　出处：《东北农业大学》2015年硕士论文　论文类型：学位论文

【摘要】：商业银行的营业收入是由利息收入和非利息收入组成的,在很长一段时间内,我国商业银行开展的业务都以存贷业务为主,银行收入的提高主要依赖于利息收入,非利息收入的比重非常低。近年来,随着中国银行业改革的深入和市场竞争的加剧,以及受到金融“脱媒”现象、利率市场化等因素的影响,我国商业银行逐渐意识到调整收入结构的重要性,积极开发非传统业务,增加收入来源,从原来的依赖利息收入到大力发展非利息收入,金融服务日趋多样化。国内对于非利息收入研究较多,但是对于金融服务多样化及金融服务多样化的效益,却罕有研究,因此本文以相关理论为基础,对我国金融服务多样化的现状和影响因素进行了分析,对金融服务多样化程度和它产生的收益进行衡量和计算,并根据实证分析结果,对进一步促进金融服务多样化提出建议。本文的主要内容包括以下几方面:首先,介绍了什么是金融服务多样化,它产生的原因,以及多样化的金融服务包括哪些业务、这些业务的特点,并引入了金融服务多样化的相关理论,为我们的研究提供了理论依据。其次,介绍了我国商业银行金融服务多样化的发展过程,从总量规模、产品构成、市场份额三个方面对金融服务多样化现状进行评析,并构建模型,从宏观和微观角度对金融服务多样化的影响因素进行分析。第三,对金融服务多样化的效益进行实证研究。采用国内11家样本银行2003年-2013年的相关数据,利用非利息收入占比构建了收入多样化指标,以该指标衡量银行金融服务多样化的程度,建立面板数据模型进行分析后,结果显示,银行资产收益率与收入多样化指标正相关,说明金融服务多样化能给银行带来更多收益,具体来说,金融服务多样化程度每提高1%,商业银行的资产收益率将提高0.0035%;进一步分析发现不同银行通过金融服务多样化获得的效益基础有一定差异。结合测算结果与银行业现状,对我国商业银行如何进一步促进金融服务多样化提出建议,以供参考。最后,对研究得出的结论做了总结。
[Abstract]:The business income of commercial banks is composed of interest income and non-interest income. For a long time, the business of commercial banks in China is mainly deposit and loan business. In recent years, with the deepening of China's banking sector reform and the intensification of market competition, the bank income is mainly dependent on interest income, and the non-interest income has been subjected to the phenomenon of "disintermediation". With the influence of marketization of interest rate, Chinese commercial banks gradually realize the importance of adjusting the income structure, actively develop non-traditional business and increase the source of income. From the original reliance on interest income to the vigorous development of non-interest income, financial services are increasingly diversified. There are more studies on non-interest income in China, but for the diversification of financial services and the benefits of financial services diversification. Therefore, based on the relevant theories, this paper analyzes the current situation and influencing factors of the diversification of financial services in China, and measures and calculates the degree of diversification of financial services and the income it produces. According to the results of empirical analysis, to further promote the diversification of financial services. The main content of this paper includes the following aspects: first, the introduction of what is the diversification of financial services and the reasons for it. And the diversification of financial services including what business, these business characteristics, and the introduction of the diversification of financial services related theory, for our research provides a theoretical basis. Secondly. This paper introduces the development process of the diversification of financial services of commercial banks in China, evaluates the present situation of diversification of financial services from three aspects: total scale, product composition and market share, and constructs a model. From the macro and micro perspective to analyze the factors affecting the diversification of financial services. Third. Empirical study on the benefits of diversification of financial services. 11 sample banks in China from 2003 to 2013 related data, using non-interest income to construct income diversification indicators. Using this index to measure the degree of diversification of banking financial services, a panel data model is established to analyze, the results show that the return on bank assets and income diversification indicators are positively correlated. It shows that the diversification of financial services can bring more benefits to banks. To be specific, if the degree of diversification of financial services increases by 1, the return on assets of commercial banks will be increased by 0.0035; Further analysis found that different banks through the diversification of financial services have some differences in the basis of benefits. Combined with the results of the calculation and banking status. Suggestions on how to further promote the diversification of financial services in China's commercial banks are put forward for reference. Finally, the conclusions of the study are summarized.
【学位授予单位】：东北农业大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F830.42;F832.33

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