本文關(guān)鍵詞： 浦發(fā)銀行 非利息收入 現(xiàn)狀分析 影響因素分析 對(duì)策　出處：《貴州財(cái)經(jīng)大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

【摘要】：利率市場(chǎng)化改革不斷深入,尤其是2015年,央行取消了存款利率浮動(dòng)上限,表明利率市場(chǎng)化已基本實(shí)現(xiàn),商業(yè)銀行之間的競(jìng)爭(zhēng)愈加激烈。近年來(lái)房屋限購(gòu)等政策頻頻出臺(tái),商業(yè)銀行的貸款受到了種種限制。此外,中國(guó)經(jīng)濟(jì)軟著陸,下行是經(jīng)濟(jì)面臨的趨勢(shì),商業(yè)銀行的存款也受到了一定的限制。息差不斷收窄,非利息業(yè)務(wù)就成為商業(yè)銀行競(jìng)爭(zhēng)的焦點(diǎn)。在十二五期間,浦發(fā)銀行集團(tuán)化、綜合化、國(guó)際化經(jīng)營(yíng)有序推進(jìn),其近十年的非利息收入規(guī)模平均為12%,在穩(wěn)步發(fā)展非利息業(yè)務(wù)地同時(shí)與國(guó)有銀行平均20%-30%的水平以及同發(fā)達(dá)國(guó)家至少在40%的差距也是顯而易見(jiàn)的。本文首先在國(guó)內(nèi)外理論的基礎(chǔ)上,從非利息收入的概念和內(nèi)容出發(fā),介紹了非利息收入同利息收入相比較的特點(diǎn),同時(shí)通過(guò)對(duì)中間業(yè)務(wù)、表外業(yè)務(wù)進(jìn)行關(guān)系的對(duì)比分析,清晰了非利息收入的內(nèi)涵和外延。在理論分析部分,首先說(shuō)明了浦發(fā)銀行非利息業(yè)務(wù)可以作為其新的利潤(rùn)增長(zhǎng)點(diǎn),在分別從多元化理論、范圍經(jīng)濟(jì)理論、資產(chǎn)組合理論角度,闡釋浦發(fā)銀行開(kāi)展非利息業(yè)務(wù)的原因。在實(shí)證分析部分,首先通過(guò)現(xiàn)狀分析,全面地分析了浦發(fā)銀行在非利息收入的現(xiàn)狀,包括2006-2015非利息收入的構(gòu)成、規(guī)模、發(fā)展的方向等方面,并初步分析了產(chǎn)生這些現(xiàn)狀的原因;為了進(jìn)一步分析各個(gè)因素對(duì)浦發(fā)銀行非利息收入的具體影響,本文第4部分搜集了浦發(fā)銀行2007年至2016年共39個(gè)季度的季度數(shù)據(jù),對(duì)浦發(fā)銀行非利息收入影響因素的進(jìn)行了回歸分析,首先進(jìn)行了平穩(wěn)性檢驗(yàn),并在此過(guò)程中對(duì)因變量進(jìn)行了替換,在隨后的回歸過(guò)程中以方差膨脹因子為依據(jù)進(jìn)行了三次回歸,第三次回歸為最終的回歸結(jié)果,從而得到結(jié)論:浦發(fā)銀行的存款資產(chǎn)比對(duì)其非利息收入影響最大,由于對(duì)傳統(tǒng)業(yè)務(wù)過(guò)于依賴造成了存款越多用于貸款的就越多,而用于非利息收入發(fā)展的越少;浦發(fā)銀行的非利息業(yè)務(wù)增長(zhǎng)對(duì)匯率較為敏感,匯率提高了,人民幣貶值,這就會(huì)減少其非利息收入,反之就會(huì)提高,這與其國(guó)際化的經(jīng)營(yíng)策略是分不開(kāi)的。最后,在文章的第六部分,針對(duì)現(xiàn)狀分析和回歸分析表現(xiàn)出的問(wèn)題,對(duì)浦發(fā)銀行開(kāi)展非利息業(yè)務(wù)的提出針對(duì)性建議。
[Abstract]:The reform of interest rate marketization continues to deepen, especially in 2015, when the central bank abolished the ceiling of floating interest rates on deposits, indicating that the interest rate liberalization has basically been realized and the competition between commercial banks has become increasingly fierce. In recent years, policies such as housing purchase restrictions have been introduced frequently. Commercial banks' loans are subject to various restrictions. In addition, the Chinese economy is facing a soft landing, the downward trend is facing the economy, and the deposits of commercial banks are also subject to certain restrictions. Non-interest business has become the focus of competition among commercial banks. During the 12th Five-Year Plan period, the Pudong Development Bank became a group, integrated, and international operation advanced in an orderly manner. The average scale of its non-interest income in the past ten years is 12. It is also obvious that the average level of 20% to 30% and the gap of at least 40% between China and the developed countries in the steady development of non-interest business at the same time is also obvious. First of all, on the basis of the domestic and foreign theories, Starting from the concept and content of non-interest income, this paper introduces the characteristics of the comparison between non-interest income and interest income, at the same time, through the comparative analysis of the relationship between intermediate business and off-balance sheet business, The connotation and extension of non-interest income are clarified. In the theoretical analysis part, it is explained that the non-interest business of Pudong Development Bank can be regarded as its new profit growth point, from the perspective of diversification theory, scope economy theory and portfolio theory, respectively. In the empirical analysis part, firstly, through the current situation analysis, the paper comprehensively analyzes the current situation of the non-interest income of the bank, including the composition and scale of the non-interest income in 2006-2015. In order to further analyze the specific impact of various factors on the non-interest income of Pudong Development Bank, The fourth part of this paper collects the quarterly data of Pudong Development Bank from 2007 to 2016, carries on the regression analysis to the influencing factors of the non-interest income of the Shanghai Development Bank. In this process, the dependent variables are replaced, and the third regression is the final regression result based on the variance expansion factor in the subsequent regression process. The conclusion is as follows: the ratio of deposit assets to deposit assets has the greatest influence on its non-interest income, because of the excessive dependence on traditional business, the more deposits are used for loans, the less they are used for the development of non-interest income; The growth of the non-interest business of Pudong Development Bank is more sensitive to the exchange rate. The exchange rate has been increased and the renminbi has depreciated. This will reduce its non-interest income, otherwise it will increase, which is inseparable from its international business strategy. Finally, In the 6th part of the article, aiming at the problems of current situation analysis and regression analysis, the author puts forward some suggestions for the development of non-interest business of Pudong Development Bank.
【學(xué)位授予單位】：貴州財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.33;F830.42

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