本文關鍵詞： 上市銀行 中間業(yè)務 經營績效　出處：《安徽大學》2017年碩士論文　論文類型：學位論文

【摘要】：隨著利率市場化改革的不斷推進,互聯網金融的興起,金融脫媒的出現,外資銀行的進入,資本市場的發(fā)展,商業(yè)銀行面臨著前所未有的挑戰(zhàn)。一方面競爭不斷加劇,金融市場份額被不斷瓜分,另一方面利率市場化下利差收窄導致傳統(tǒng)的存貸款業(yè)務受到沖擊,加上經濟進入新常態(tài)后,經濟增速放緩,商業(yè)銀行也深受影響,盈利能力有所下降。在這種情況下,如何提高商業(yè)銀行的經營績效,實現新的發(fā)展顯得至關重要,為此商業(yè)銀行紛紛尋求業(yè)務轉型,尋找新的利潤增長點。中間業(yè)務作為現代商業(yè)銀行三大支柱業(yè)務之一,因其風險小、成本低、收益高等特點而日益受到商業(yè)銀行的青睞,成為增加商業(yè)銀行競爭力和收益的重要途徑。雖然近年來我國商業(yè)銀行中間業(yè)務發(fā)展很快,但是與西方發(fā)達國家銀行相比我國商業(yè)銀行中間業(yè)務發(fā)展水平還很低,在總體規(guī)模、營業(yè)收入占比、種類數量以及創(chuàng)新程度等方面均存在著較大的差距。中間業(yè)務是商業(yè)銀行轉型的方向之一,怎樣發(fā)展中間業(yè)務以及如何合理安排中間業(yè)務的結構,成為直接影響商業(yè)銀行經營績效的關鍵問題。中間業(yè)務的種類很多,主要包括銀行卡業(yè)務、結算業(yè)務、代理委托業(yè)務、擔保承諾業(yè)務等,中間業(yè)務的收入結構代表著商業(yè)銀行中間業(yè)務的發(fā)展水平,在一定程度上反映了中間業(yè)務未來的發(fā)展趨勢。因而對其子業(yè)務的研究,也具有一定的現實意義。本文選取了 16家上市銀行2010-2015年的財務數據,試圖探討上市銀行中間業(yè)務及其主要子業(yè)務對其經營績效的影響。文章首先介紹了有關中間業(yè)務和經營績效的相關概念,對中間業(yè)務與經營績效的相關關系進行了一般性的理論分析,其次,對我國上市銀行的經營績效及其中間業(yè)務的發(fā)展現狀進行了詳細的分析,剖析了我國中間業(yè)務發(fā)展過程中存在的問題,并借助實證研究方法探究上市銀行中間業(yè)務及其主要子業(yè)務對其經營績效的影響。實證結果顯示中間業(yè)務對上市銀行經營績效有顯著的正向促進作用,與此同時,結算業(yè)務、代理委托業(yè)務與上市銀行經營績效也存在著顯著的正相關關系,而這種影響也存在著差異,但是銀行卡業(yè)務與上市銀行經營績效呈負相關關系,擔保承諾業(yè)務對上市銀行經營績效的正向影響并不顯著。最后根據實證分析結果提出了上市銀行應該如何更好的發(fā)展中間業(yè)務以提高經營績效的對策建議:第一,重視中間業(yè)務發(fā)展,擴大中間業(yè)務規(guī)模,提高中間業(yè)務收入在營業(yè)收入中所占的比重;第二,不斷完善中間業(yè)務收入結構,促進中間業(yè)務良性發(fā)展;第三,以銀行卡為主要工具,帶動上市銀行其他中間業(yè)務發(fā)展;第四,加快轉變上市銀行傳統(tǒng)的經營管理理念,積極實施業(yè)務轉型。
[Abstract]:With the reform of interest rate marketization, the rise of Internet finance, the emergence of financial disintermediation, the entry of foreign banks and the development of capital market, commercial banks are facing unprecedented challenges. The share of the financial market has been continuously divided. On the other hand, the narrowing of interest rate differentials under the marketization of interest rates has hit the traditional deposit and loan business. After the economy has entered the new normal, the economic growth rate has slowed, and commercial banks have also been greatly affected. In this case, how to improve the business performance of commercial banks and achieve new development is very important. As one of the three pillar businesses of modern commercial banks, intermediate business is increasingly favored by commercial banks because of its characteristics of low risk, low cost and high income. It has become an important way to increase the competitiveness and income of commercial banks. Although the intermediary business of commercial banks in China has developed rapidly in recent years, the level of intermediate business development of commercial banks in China is still very low compared with the banks in western developed countries, and on the overall scale, There is a big gap in the proportion of business income, the number of types and the degree of innovation. Intermediate business is one of the directions of commercial bank transformation, how to develop intermediate business and how to arrange the structure of intermediate business reasonably. It has become a key issue that directly affects the business performance of commercial banks. There are many types of intermediate business, mainly including bank card business, settlement business, agency entrustment business, guarantee and commitment business, etc. The income structure of the intermediate business represents the development level of the intermediate business of the commercial bank, and to some extent reflects the future development trend of the intermediate business. This paper selects the financial data of 16 listed banks from 2010 to 2015. This paper attempts to discuss the influence of intermediary business and its main sub-business of listed banks on their business performance. Firstly, this paper introduces the related concepts of intermediary business and business performance. This paper makes a general theoretical analysis on the relationship between intermediate business and business performance. Secondly, it makes a detailed analysis of the performance of listed banks in China and the development of intermediary business. The problems existing in the development of intermediate business in China are analyzed. The empirical results show that the intermediary business has a significant positive effect on the operating performance of listed banks, and at the same time, the settlement business. There is also a significant positive correlation between the agency entrusted business and the operating performance of listed banks, and there are differences in this effect, but there is a negative correlation between the bank card business and the operating performance of listed banks. The positive impact of guarantee commitment on the performance of listed banks is not significant. Finally, according to the results of empirical analysis, the paper puts forward the countermeasures and suggestions on how to develop intermediary business better to improve the performance of listed banks: first, Attach importance to the development of intermediary business, expand the scale of intermediary business, and increase the proportion of intermediate business income in business income; second, continuously improve the structure of intermediate business income to promote the sound development of intermediate business; third, With bank card as the main tool to drive the development of other intermediary business of listed banks; 4th accelerate the transformation of the traditional management concept of listed banks and actively implement the business transformation.
【學位授予單位】：安徽大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F832.2

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