發(fā)布時間：2018-04-16 12:17

  本文選題：上市商業(yè)銀行 + 業(yè)務創(chuàng)新能力　； 參考：《江蘇科技大學》2017年碩士論文

【摘要】：創(chuàng)新是進步的動力源泉,是興旺發(fā)達的根本保障。創(chuàng)新對各行各業(yè)永遠都是不過時的主旋律,創(chuàng)新不止,發(fā)展無前。長期以后,商業(yè)銀行在我國金融業(yè)的發(fā)展中起著中流砥柱的作用,在間接融資占比居于主導地位的現階段,商業(yè)銀行對經濟轉型發(fā)展至關重要。但是,長期以來商業(yè)銀行的發(fā)展極度依賴存貸款業(yè)務,業(yè)務創(chuàng)新能力較低。同時,在宏觀經濟環(huán)境中,利率市場化的推進、經濟結構的轉型升級、過剩產能化解帶來的資產質量問題,無疑都對商業(yè)銀行的發(fā)展帶來的前所未有的挑戰(zhàn)。此外,互聯網金融優(yōu)勢明顯,助推商業(yè)銀行負債成本,稀釋商業(yè)銀行客戶群體,分流商業(yè)銀行存款業(yè)務,同時外資銀行不斷涌入,國內商業(yè)銀行市場份額被不斷蠶食,商業(yè)銀行業(yè)務發(fā)展面臨瓶頸。因此,商業(yè)銀行業(yè)務創(chuàng)新能力提高迫在眉睫。本文以16家上市商業(yè)銀行為主要研究對象,在既有的理論基礎上,首先通過對前人研究創(chuàng)新能力概念研究進行綜述回顧,剖析創(chuàng)新能力的基本內涵,同時對創(chuàng)新能力概念進行總結和評述。其次,對績效概念、內容研究進行綜述回顧,總結績效評價的基本方法,評價各種績效確定方法的優(yōu)缺點。然后再從創(chuàng)新能力對績效形成的作用機理研究進行綜述回顧,總結創(chuàng)新能力對績效的作用的一般機理,為本研究奠定理論基礎。從上市商業(yè)銀行日常三大業(yè)務分類著手—資產業(yè)務、負債業(yè)務、中間業(yè)務,分別定義相關的資產業(yè)務創(chuàng)新能力、負債業(yè)務創(chuàng)新能力和中間業(yè)務創(chuàng)新能力的基本內涵,并選取九項觀測指標用以衡量業(yè)務創(chuàng)新能力水平,通過因子分析方法確定各自業(yè)務創(chuàng)新能力因子,作為綜合衡量各自業(yè)務創(chuàng)新能力的變量。結合上市商業(yè)銀行經營特點和本質屬性,選取經營績效、發(fā)展能力績效以及風險管理績效三個方面進行評價分析,并為各自績效選取八項的觀測指標,通過因子分析法確定各自績效因子,用以衡量上市商業(yè)銀行各方面的綜合績效水平。最后通過實證方法,確定各業(yè)務創(chuàng)新能力對各績效的影響關系,得出本文的主要研究結論。并針對研究結論和上市商業(yè)銀行業(yè)務創(chuàng)新和發(fā)展現狀,給出提高上市商業(yè)銀行業(yè)務創(chuàng)新能力的具體措施以此來提高績效水平。通過實證研究表明:中間業(yè)務創(chuàng)新能力對經營績效和風險管理績效有著顯著的正相關影響。資產業(yè)務創(chuàng)新能力對發(fā)展能力績效和風險管理績效有著顯著性的正相關影響。
[Abstract]:Innovation is the power source of progress and the fundamental guarantee of prosperity.Innovation is always the main melody of all kinds of industries, innovation is not only, development is not before.After a long period of time, commercial banks play an important role in the development of our financial industry. At the present stage, indirect financing plays a leading role in the development of economic transformation.However, for a long time, the development of commercial banks is extremely dependent on deposit and loan business, and the ability of business innovation is low.At the same time, in the macroeconomic environment, the promotion of marketization of interest rate, the transformation and upgrading of economic structure, and the solution of asset quality problems caused by excess capacity undoubtedly bring unprecedented challenges to the development of commercial banks.In addition, the advantages of Internet finance are obvious, contributing to the cost of commercial banks' liabilities, diluting the customer base of commercial banks, diverting deposits from commercial banks, and at the same time, foreign banks are constantly pouring in, and the market share of domestic commercial banks is constantly being eroded.The commercial bank business development faces the bottleneck.Therefore, the commercial bank business innovation ability enhancement is imminent.In this paper, 16 listed commercial banks as the main research object, on the basis of existing theory, through the review of previous research on the concept of innovation ability, analyze the basic connotation of innovation ability.At the same time, the concept of innovation ability is summarized and commented.Secondly, review the concept and content of performance, summarize the basic methods of performance evaluation, evaluate the advantages and disadvantages of various performance determination methods.Then the research on the mechanism of innovation ability on the formation of performance is reviewed, and the general mechanism of the effect of innovation ability on performance is summarized, which lays a theoretical foundation for this study.Starting from the three categories of daily business of listed commercial banks-assets business, liability business, intermediate business, the basic connotation of innovation ability of assets business, debt business innovation ability and intermediate business innovation ability are defined, respectively, which are related to the assets business innovation ability, the liability business innovation ability and the intermediate business innovation ability, respectively.Nine observation indexes are selected to measure the level of business innovation ability and the factor analysis method is used to determine their business innovation ability factors as the variables to comprehensively measure their business innovation ability.Combined with the management characteristics and essential attributes of listed commercial banks, this paper selects three aspects of management performance, development ability performance and risk management performance to evaluate and analyze, and selects eight observation indicators for their respective performance.Through factor analysis to determine their performance factors, to measure the comprehensive performance of listed commercial banks in all aspects.Finally, through the empirical method, to determine the impact of the business innovation ability on the performance of the relationship, draw the main conclusions of this paper.According to the conclusion of the research and the present situation of business innovation and development of listed commercial banks, the concrete measures to improve the ability of business innovation of listed commercial banks are given to improve the performance level of listed commercial banks.The empirical study shows that the innovation ability of intermediate business has a significant positive correlation with the performance of business and risk management.The innovation ability of asset business has significant positive correlation to the performance of development ability and risk management.
【學位授予單位】：江蘇科技大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F832.51;F832.33;F273.1;F830.42

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