我國商業(yè)銀行利潤結(jié)構(gòu)和盈利模式的轉(zhuǎn)變研究
發(fā)布時(shí)間：2018-08-19 13:00
【摘要】：隨著利率市場化改革逐漸推進(jìn)、金融自由化、行業(yè)激烈競爭等趨勢,我國商業(yè)銀行自身傳統(tǒng)利差業(yè)務(wù)達(dá)到了歷史新低點(diǎn),商業(yè)銀行以利差主導(dǎo)的傳統(tǒng)盈利模式受到嚴(yán)峻挑戰(zhàn),商業(yè)銀行盈利模式的轉(zhuǎn)型顯得尤為迫切。而發(fā)展低成本、低風(fēng)險(xiǎn)、高收益等特征的非利差業(yè)務(wù)成為商業(yè)銀行增加盈利水平、轉(zhuǎn)變現(xiàn)有盈利模式的重要途徑。 本文首先在有關(guān)盈利模式國內(nèi)外研究成果的基礎(chǔ)上,對(duì)我國商業(yè)銀行的利潤結(jié)構(gòu)和盈利模式現(xiàn)狀進(jìn)行分析,然后借鑒發(fā)達(dá)地區(qū)銀行發(fā)展的經(jīng)驗(yàn),得出我國商業(yè)銀行盈利模式存在的問題。在實(shí)證研究部分,本文選取了2007年第四季度到2012年第三季度12家上市銀行的財(cái)務(wù)數(shù)據(jù)作為樣本,首先分析銀行利息凈收入、中間業(yè)務(wù)對(duì)營業(yè)利潤的影響。為了進(jìn)一步探討中間業(yè)務(wù)對(duì)我國上市銀行盈利水平的影響,在后面的面板回歸模型中引入總資產(chǎn)、營業(yè)費(fèi)用、GDP等變量,比較分析國有大型銀行和其他股份制銀行不同類型銀行對(duì)盈利水平影響的差異。最后結(jié)合理論部分與實(shí)證部分的分析,得出本文的結(jié)論和政策建議。 本文的結(jié)論是,我國商業(yè)銀行現(xiàn)階段的盈利模式過分依賴?yán)钍杖?中間業(yè)務(wù)比重偏低、新型業(yè)務(wù)創(chuàng)新不夠并且在銀行之間發(fā)展不平衡。在實(shí)證部分得出我國商業(yè)銀行中間業(yè)務(wù)收入對(duì)提高銀行營業(yè)利潤具有高效性,股份制銀行的中間業(yè)務(wù)對(duì)銀行盈利水平的影響高于國有大型銀行,銀行盈利模式轉(zhuǎn)變過程中其盈利水平受到資產(chǎn)規(guī)模、營業(yè)成本、經(jīng)濟(jì)發(fā)展?fàn)顩r影響。本文的政策建議是,現(xiàn)階段我國商業(yè)銀行轉(zhuǎn)變盈利模式應(yīng)該繼續(xù)重視傳統(tǒng)利息收入維持適宜的利差水平,大力發(fā)展新型中間業(yè)務(wù)提高差異化水平,加強(qiáng)成本管理控制,細(xì)分產(chǎn)品客戶市場和加大人力和技術(shù)的投入。
[Abstract]:Along with the reform of interest rate marketization, financial liberalization, fierce competition and other trends, the traditional interest rate differential business of commercial banks in China has reached a new historical low, and the traditional profit mode of commercial banks dominated by interest rates has been severely challenged. The transformation of commercial bank profit model is particularly urgent. The development of low cost, low risk, high income and other characteristics of non-interest rate business has become an important way for commercial banks to increase profit level and change the existing profit model. On the basis of the domestic and foreign research results on the profit model, this paper analyzes the profit structure and profit pattern of commercial banks in China, and then draws lessons from the experience of the development of banks in developed regions. The problems existing in the profit model of commercial banks in China are obtained. In the empirical research part, this paper selects the financial data of 12 listed banks from the fourth quarter of 2007 to the third quarter of 2012 as a sample to analyze the net interest income of banks and the impact of intermediate business on operating profits. In order to further explore the influence of intermediate business on the profit level of listed banks in China, variables such as total assets, operating expenses and GDP are introduced into the panel regression model. This paper compares and analyzes the influence of different types of banks on profit level between large state-owned banks and other joint-stock banks. Finally, combined with the theoretical and empirical part of the analysis, this paper draws conclusions and policy recommendations. The conclusion of this paper is that the current profit model of commercial banks in China is too dependent on interest income, the proportion of intermediate business is on the low side, the new business innovation is not enough and the development between banks is not balanced. In the empirical part, it is found that the intermediate business income of commercial banks in our country has high efficiency in improving the operating profit of banks, and the influence of intermediate business of joint-stock banks on the profit level of banks is higher than that of large state-owned banks. The profit level of the bank is affected by the scale of assets, operating cost and economic development. The policy suggestion of this paper is that the commercial banks in our country should continue to pay attention to the traditional interest income to maintain the appropriate interest margin level, develop the new intermediate business to improve the differentiation level, and strengthen the cost management control. Subdivide product customer market and increase manpower and technical input.
【學(xué)位授予單位】：浙江大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.33
本文編號(hào)：2191720
[Abstract]:Along with the reform of interest rate marketization, financial liberalization, fierce competition and other trends, the traditional interest rate differential business of commercial banks in China has reached a new historical low, and the traditional profit mode of commercial banks dominated by interest rates has been severely challenged. The transformation of commercial bank profit model is particularly urgent. The development of low cost, low risk, high income and other characteristics of non-interest rate business has become an important way for commercial banks to increase profit level and change the existing profit model. On the basis of the domestic and foreign research results on the profit model, this paper analyzes the profit structure and profit pattern of commercial banks in China, and then draws lessons from the experience of the development of banks in developed regions. The problems existing in the profit model of commercial banks in China are obtained. In the empirical research part, this paper selects the financial data of 12 listed banks from the fourth quarter of 2007 to the third quarter of 2012 as a sample to analyze the net interest income of banks and the impact of intermediate business on operating profits. In order to further explore the influence of intermediate business on the profit level of listed banks in China, variables such as total assets, operating expenses and GDP are introduced into the panel regression model. This paper compares and analyzes the influence of different types of banks on profit level between large state-owned banks and other joint-stock banks. Finally, combined with the theoretical and empirical part of the analysis, this paper draws conclusions and policy recommendations. The conclusion of this paper is that the current profit model of commercial banks in China is too dependent on interest income, the proportion of intermediate business is on the low side, the new business innovation is not enough and the development between banks is not balanced. In the empirical part, it is found that the intermediate business income of commercial banks in our country has high efficiency in improving the operating profit of banks, and the influence of intermediate business of joint-stock banks on the profit level of banks is higher than that of large state-owned banks. The profit level of the bank is affected by the scale of assets, operating cost and economic development. The policy suggestion of this paper is that the commercial banks in our country should continue to pay attention to the traditional interest income to maintain the appropriate interest margin level, develop the new intermediate business to improve the differentiation level, and strengthen the cost management control. Subdivide product customer market and increase manpower and technical input.
【學(xué)位授予單位】：浙江大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.33
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，本文編號(hào)：2191720
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