【摘要】：近年來(lái),商業(yè)銀行理財(cái)產(chǎn)品正逐步成為商業(yè)銀行表外業(yè)務(wù)收入的一個(gè)重要來(lái)源,對(duì)理財(cái)產(chǎn)品的研究也不斷深化。另一方面,對(duì)于商業(yè)銀行特別是我國(guó)商業(yè)銀行經(jīng)營(yíng)效率的的研究也成為金融機(jī)構(gòu)業(yè)績(jī)測(cè)評(píng)的一個(gè)重要課題。但是,目前專門針對(duì)理財(cái)產(chǎn)品運(yùn)作對(duì)商業(yè)銀行經(jīng)營(yíng)效率的研究還不多見。然而,在2007年美國(guó)次貸危機(jī)引起的全球金融蕭條的背景下,中國(guó)銀行業(yè)整體卻表現(xiàn)出良好的增長(zhǎng)態(tài)勢(shì)。結(jié)合自2007年以來(lái)銀行理財(cái)產(chǎn)品,特別是固定收益型理財(cái)產(chǎn)品的快速發(fā)展,本文試圖解釋這兩者之間存在的內(nèi)在聯(lián)系,并驗(yàn)證存款理財(cái)化效應(yīng)以及理財(cái)產(chǎn)品業(yè)務(wù)轉(zhuǎn)型對(duì)商業(yè)銀行的影響真實(shí)存在。 首先,本文梳理了現(xiàn)有文獻(xiàn)中針對(duì)固定收益型理財(cái)產(chǎn)品與商業(yè)銀行經(jīng)營(yíng)績(jī)效間關(guān)系的研究,在總結(jié)前人研究的基礎(chǔ)上認(rèn)為固定收益型理財(cái)產(chǎn)品對(duì)于商業(yè)銀行經(jīng)營(yíng)績(jī)效的影響主要通過(guò)三種途徑體現(xiàn),一是存款理財(cái)化效應(yīng),二是理財(cái)產(chǎn)品的業(yè)務(wù)轉(zhuǎn)型效應(yīng),三是固定收益型理財(cái)產(chǎn)品的經(jīng)營(yíng)效率高于傳統(tǒng)信貸業(yè)務(wù)。 其次,文本所采用的是以范圍經(jīng)濟(jì)為主導(dǎo)的理論分析框架,通過(guò)分析產(chǎn)生范圍經(jīng)濟(jì)的原因以及范圍經(jīng)濟(jì)對(duì)單個(gè)經(jīng)濟(jì)實(shí)體的影響兩方面內(nèi)容,結(jié)合銀行理財(cái)產(chǎn)品與商業(yè)銀行傳統(tǒng)業(yè)務(wù)之間的關(guān)聯(lián)性,就理財(cái)產(chǎn)品對(duì)商業(yè)銀行經(jīng)營(yíng)績(jī)效的影響進(jìn)行了理論層面的假設(shè)分析,并試圖利用現(xiàn)有的數(shù)據(jù)驗(yàn)證這一猜想。 再次,本文選取2007年至2011年14家上市的股份制商業(yè)銀行為樣本,采用面板數(shù)據(jù)進(jìn)行實(shí)證分析。實(shí)證結(jié)果表明：(1)存款理財(cái)化效應(yīng)有助于我國(guó)商業(yè)銀行提升經(jīng)營(yíng)效率；(2)固定收益型理財(cái)產(chǎn)品經(jīng)營(yíng)效率對(duì)商業(yè)銀行有正向推動(dòng)作用；(3)固定收益型理財(cái)產(chǎn)品的業(yè)務(wù)轉(zhuǎn)型效應(yīng)不顯著。 最后,結(jié)合我國(guó)上市商業(yè)銀行在運(yùn)營(yíng)過(guò)程中特別是理財(cái)產(chǎn)品的經(jīng)營(yíng)中暴露出來(lái)的一些問(wèn)題以及理財(cái)產(chǎn)品對(duì)商業(yè)銀行經(jīng)營(yíng)績(jī)效的影響方式,本文在理財(cái)產(chǎn)品的運(yùn)作方面給商業(yè)銀行提出了一些有益的建議。
[Abstract]:In recent years, the financial products of commercial banks are gradually becoming an important source of off-balance sheet business income of commercial banks. On the other hand, the research on the operational efficiency of commercial banks, especially in China, has become an important issue in the performance evaluation of financial institutions. However, at present, the research on the efficiency of commercial banks is rare, especially for the operation of financial products. However, under the background of the global financial depression caused by the American subprime mortgage crisis in 2007, China's banking industry as a whole showed a good growth trend. Combined with the rapid development of banking financial products, especially fixed-income financial products since 2007, this paper tries to explain the inherent relationship between the two. And verify the effect of deposit financing and financial products business transformation on commercial banks. First of all, this paper reviews the existing literature on the relationship between fixed-income financial products and the performance of commercial banks. On the basis of summing up the previous studies, it is concluded that the influence of fixed income financial products on the performance of commercial banks is mainly reflected in three ways, one is the effect of deposit financing, the other is the effect of business transformation of financial products. Third, the operating efficiency of fixed income financial products is higher than traditional credit business. Secondly, the text uses the scope economy as the leading theoretical analysis framework, through the analysis of the causes of scope economy and the impact of scope economy on individual economic entities. Combined with the relationship between the banking financial products and the traditional business of commercial banks, this paper makes a theoretical analysis of the impact of financial products on the performance of commercial banks, and tries to verify this conjecture by using the existing data. Thirdly, this paper selects 14 joint-stock commercial banks listed from 2007 to 2011 as the sample, and uses panel data for empirical analysis. The empirical results show that: (1) the effect of deposit financing is helpful to improve the management efficiency of Chinese commercial banks, (2) the operation efficiency of fixed income financial products has a positive effect on commercial banks. (3) the business transformation effect of fixed income financial products is not significant. Finally, combined with the listed commercial banks in our country in the operation process, especially in the management of financial products exposed some problems and the impact of financial products on the performance of commercial banks, This paper puts forward some useful suggestions to commercial banks on the operation of financial products.
【學(xué)位授予單位】：南京師范大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.33

【參考文獻(xiàn)】

相關(guān)期刊論文 前4條

1 程嬋娟;馬U，

本文編號(hào)：2176992