本文選題：貨幣政策 + 收入多元化　； 參考：《山西財(cái)經(jīng)大學(xué)》2017年碩士論文

【摘要】：隨著我國(guó)利率市場(chǎng)化改革進(jìn)程的推進(jìn),商業(yè)銀行的處境也變得越來(lái)越被動(dòng),為了取得競(jìng)爭(zhēng)優(yōu)勢(shì),不得不在現(xiàn)有基礎(chǔ)上壓縮存貸利差。而我國(guó)商業(yè)銀行的經(jīng)營(yíng)利潤(rùn)大部分來(lái)自該項(xiàng)業(yè)務(wù)收入,這就使得商業(yè)銀行的經(jīng)營(yíng)績(jī)效受到影響。為了獲得穩(wěn)定的利潤(rùn)來(lái)源,商業(yè)銀行不得不尋求傳統(tǒng)業(yè)務(wù)收入以外的經(jīng)營(yíng)收入,加快中間業(yè)務(wù)的發(fā)展,使得收入結(jié)構(gòu)逐漸趨于多元化。然而關(guān)于商業(yè)銀行收入多元化對(duì)其經(jīng)營(yíng)績(jī)效的影響,學(xué)者們通過(guò)研究得出的結(jié)論并不是一致的。有的學(xué)者認(rèn)為商行收入多元化通過(guò)擴(kuò)展銀行收入來(lái)源渠道增加銀行利潤(rùn),提高經(jīng)營(yíng)績(jī)效。然而有的學(xué)者則認(rèn)為商行收入多元化會(huì)影響現(xiàn)有業(yè)務(wù)的收入,增加銀行風(fēng)險(xiǎn),因此對(duì)銀行經(jīng)營(yíng)績(jī)效的影響是不確定的。本文在前人研究的基礎(chǔ)上通過(guò)搜集我國(guó)42家商業(yè)銀行的數(shù)據(jù),研究商業(yè)銀行收入多元化對(duì)經(jīng)營(yíng)績(jī)效的影響。由于不同類(lèi)型的銀行表現(xiàn)出不同的特征,因此本文基于我國(guó)商業(yè)銀行現(xiàn)狀將其分為三種類(lèi)型:大型商業(yè)銀行(工農(nóng)中建交五家大型商業(yè)銀行)、股份制商業(yè)銀行(民生、華夏、招商、平安、光大、中信、浦發(fā)、興業(yè)、恒豐銀行一共九家股份制商業(yè)銀行)和城市商業(yè)銀行(本文選取了28家城商行)。采用分類(lèi)型實(shí)證分析的方法分別研究這三類(lèi)商業(yè)銀行收入多元化對(duì)經(jīng)營(yíng)績(jī)效的影響,得出結(jié)論后,再分別研究貨幣政策因素對(duì)于收入多元化與銀行經(jīng)營(yíng)績(jī)效關(guān)系的影響,最后根據(jù)研究所得出的結(jié)論提出相關(guān)政策建議。本文的主要?jiǎng)?chuàng)新點(diǎn)在于分類(lèi)型研究收入多元化對(duì)經(jīng)營(yíng)績(jī)效的影響之后,考慮了宏觀的貨幣政策因素,從而研究了貨幣政策對(duì)于商業(yè)銀行多元化收入結(jié)構(gòu)與其經(jīng)營(yíng)績(jī)效之間關(guān)系的影響,將宏觀經(jīng)濟(jì)因素引入微觀績(jī)效的研究中。本文的研究主要分為六個(gè)部分:第一個(gè)部分主要介紹研究背景、研究意義、研究思路、研究?jī)?nèi)容與方法、國(guó)內(nèi)外研究現(xiàn)狀以及本文主要?jiǎng)?chuàng)新點(diǎn);第二個(gè)部分對(duì)相關(guān)概念和理論基礎(chǔ)進(jìn)行闡述;第三個(gè)部分介紹商業(yè)銀行的收入結(jié)構(gòu)現(xiàn)狀;第四個(gè)部分討論了商業(yè)銀行常用的一些績(jī)效評(píng)級(jí)方法與指標(biāo),通過(guò)分析選出下一章實(shí)證所需要用到的指標(biāo);第五個(gè)部分進(jìn)行本文的實(shí)證分析,從實(shí)證角度出發(fā)分析商業(yè)銀行收入多元化對(duì)經(jīng)營(yíng)績(jī)效的影響以及貨幣政策對(duì)于二者之間關(guān)系的影響,并進(jìn)行穩(wěn)健性檢驗(yàn);第六部分根據(jù)上述研究得出的結(jié)論提出相關(guān)政策建議以及展望。本文的研究結(jié)論是,在未引入貨幣政策之前,對(duì)于大型商業(yè)銀行、股份制商業(yè)銀行以及城市商業(yè)銀行而言,收入多元化對(duì)于經(jīng)營(yíng)績(jī)效的影響是一致的,均是收入多元化增強(qiáng)了他們獲取利潤(rùn)的能力,提高了經(jīng)營(yíng)績(jī)效。在引入貨幣政策后,實(shí)證結(jié)果顯示貨幣政策因素對(duì)大型商業(yè)銀行多元化收入結(jié)構(gòu)與經(jīng)營(yíng)績(jī)效之間關(guān)系呈現(xiàn)一種顯著的正向作用,說(shuō)明寬松的貨幣政策環(huán)境提高了商業(yè)銀行收入多元化對(duì)其經(jīng)營(yíng)績(jī)效的正向影響,降低了負(fù)向影響,具體原因會(huì)在文中說(shuō)明;引入貨幣政策后的其他類(lèi)型商業(yè)銀行收入多元化與經(jīng)營(yíng)績(jī)效之間沒(méi)有表現(xiàn)出顯著的關(guān)系,說(shuō)明貨幣政策對(duì)于其他類(lèi)型商業(yè)銀行二者之間的關(guān)系沒(méi)有顯著的影響。
[Abstract]:With the process of interest rate marketization reform of our commercial banks, the situation has become more and more passive, in order to achieve competitive advantage, to reduce the deposit rate on the existing basis. While China's commercial banks operating profit most from the business income, which makes the performance of commercial banks in order to obtain a stable influence. The source of profits, commercial banks have to seek outside the traditional business business income, accelerate the development of intermediate business, the income structure tends to be diversified. However, on the impact of commercial bank income diversification on the performance of the scholars, the conclusion is not consistent. Some scholars think that the firm income diversification through the expansion of bank the revenue sources increase bank profits and improve business performance. However, some scholars believe that the firm will affect the income diversification The existing business income, increase the risk of banks, it is uncertain impact on bank performance. Based on the previous research by collecting 42 commercial banks in China, the study of commercial bank income diversification effect on business performance. Because of the different types of banks shows different characteristics, so this paper based on the status quo of China's commercial banks will be divided into three types: the large commercial banks (and the establishment of diplomatic relations five large commercial banks, joint-stock commercial bank () the people's livelihood, China Merchants, peace, Everbright, CITIC, Shanghai Pudong, Societe Generale, Prudential Bank a total of nine joint-stock commercial banks and city commercial banks (the paper) the 28 city commercial banks). Study of these three types of commercial bank income diversification effect on business performance by empirical analysis of the type, draw the conclusion, and then studied the factors for monetary policy Effect of the relationship between income diversification and performance of banks, according to the research conclusion and puts forward relevant policy suggestions. The main innovation of this paper is divided into types of income diversification impact on business performance, considering the macro monetary policy factors, so as to study the effect of monetary policy on the relationship between diversification of income structure and business performance the bank, research of macroeconomic factors into the microcosmic performance. This paper is mainly divided into six parts: the first part mainly introduces the research background, research significance, research ideas, research contents and methods, research status at home and abroad as well as the main innovation; the second part describes the relevant concepts and theoretical basis the third part introduces the income structure; the present situation of commercial banks; the fourth part discusses some of the commonly used commercial bank performance evaluation With the method of index level, through the analysis of the election of the next chapter of the need to use the index; empirical analysis of fifth parts of this paper, from the perspective of empirical analysis of impact of commercial bank income diversification effect on business performance and the monetary policy for the relationship between the two, and robustness test; sixth part according to the research on it the conclusion puts forward relevant policy suggestions and prospect. The conclusion is that before the introduction of monetary policy, for large commercial banks, joint-stock commercial banks and city commercial banks, income diversification for the influence of operating performance is consistent, both income diversification heightening their ability to obtain profits, improve business performance. In the introduction of monetary policy, the empirical results show that monetary policy factors on the diversification of income structure and business performance of large commercial banks The relationship has a significant positive effect, that the loose monetary policy environment to improve the positive impact of commercial bank income diversification on operating performance, reduce the negative impact, the specific reasons will be explained in the article; other types of commercial banks into the monetary policy after the income showed no significant relationship between diversification and management the performance shows that monetary policy has no significant effect on the relationship between the other two types of commercial banks.

【學(xué)位授予單位】：山西財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類(lèi)號(hào)】：F832.33;F830.42

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