本文選題：上市商業(yè)銀行 + 收入結(jié)構(gòu)��； 參考：《首都經(jīng)濟(jì)貿(mào)易大學(xué)》2017年碩士論文

【摘要】：隨著我國(guó)經(jīng)濟(jì)環(huán)境的不斷變化和金融市場(chǎng)的持續(xù)變革,我國(guó)上市商業(yè)銀行業(yè)力求改變過(guò)去以利息凈收入為主的業(yè)務(wù)模式,逐漸向多元化的收入結(jié)構(gòu)轉(zhuǎn)變。如今,各家銀行的非利息收入份額已經(jīng)普遍增至20%以上,即便如此,也無(wú)法改變商業(yè)銀行以傳統(tǒng)存貸差為主要盈利來(lái)源的現(xiàn)實(shí)。伴隨著我國(guó)經(jīng)濟(jì)增速持續(xù)放緩、利率市場(chǎng)化基本實(shí)現(xiàn)、互聯(lián)網(wǎng)金融迅猛發(fā)展,我國(guó)銀行的息差進(jìn)一步收縮、盈利增速不斷放緩,其中,國(guó)有銀行的凈利增速成個(gè)位數(shù)增長(zhǎng)已是大勢(shì)所趨,并且正在向“零時(shí)代”逼近;股份制銀行的凈利潤(rùn)增速好于國(guó)有銀行,但也僅僅在5%的水平。在這樣的背景下,我國(guó)上市商業(yè)銀行如何應(yīng)對(duì)各方面的挑戰(zhàn),進(jìn)而增強(qiáng)自身的盈利能力已成為各銀行迫切需要解決的難題。由于商業(yè)銀行的收入是形成其利潤(rùn)的來(lái)源,不同的收入結(jié)構(gòu)對(duì)商業(yè)銀行盈利能力的作用也會(huì)有所區(qū)別,因此本文將重點(diǎn)分析我國(guó)上市商業(yè)銀行收入結(jié)構(gòu)的發(fā)展現(xiàn)狀,并研究其對(duì)盈利能力的具體影響情況,為促進(jìn)我國(guó)上市商業(yè)銀行的轉(zhuǎn)型升級(jí)、提升它們的盈利能力提出合理建議。本文將從六個(gè)方面展開(kāi):第一章為引言部分。主要概述了本文的研究背景和研究意義,總結(jié)了國(guó)內(nèi)外學(xué)者的研究成果,并在他們的研究基礎(chǔ)上,確定了本文的研究?jī)?nèi)容和方法,然后介紹了創(chuàng)新與不足之處。第二章是理論基礎(chǔ)的介紹,為論文的研究提供理論支持。第三章和第四章分別對(duì)我國(guó)13家上市銀行的收入結(jié)構(gòu)和盈利能力的現(xiàn)狀進(jìn)行了分析,關(guān)于收入結(jié)構(gòu)對(duì)盈利能力的影響得出了初步判斷。接著運(yùn)用Stata計(jì)量軟件,以13家最具代表性的上市商業(yè)銀行為研究對(duì)象,選取2012年1季度至2016年3季度共19個(gè)季度的銀行數(shù)據(jù)作為研究樣本,分別對(duì)全部樣本、國(guó)有銀行和上市股份制銀行進(jìn)行回歸分析,得出各類銀行收入結(jié)構(gòu)對(duì)盈利能力的影響。第六章是根據(jù)前文的分析,為調(diào)整并優(yōu)化商業(yè)銀行的收入結(jié)構(gòu),進(jìn)而提升它們的盈利能力提出合理的建議。研究結(jié)論表明,更加多元化的收入結(jié)構(gòu)會(huì)降低上市商業(yè)銀行的盈利水平;凈息差的提高不利于國(guó)有銀行盈利的提升,但可以明顯增強(qiáng)股份制銀行的盈利;增加非利息收入的占比可以使兩類銀行的盈利水平都得到提升,尤其對(duì)國(guó)有銀行的促進(jìn)作用更加明顯。因此,國(guó)有銀行應(yīng)該形成以非利息業(yè)務(wù)為主要盈利來(lái)源的收入結(jié)構(gòu),股份制銀行仍然應(yīng)該以利息凈收入為主業(yè),逐步發(fā)展非利息業(yè)務(wù)。
[Abstract]:With the continuous change of economic environment and financial market, the listed commercial banks of our country try to change the business mode which used to be based on net interest income, and gradually change to the diversified income structure. Even now that banks' share of non-interest income has risen to more than 20 percent, it does not change the reality that commercial banks rely on traditional deposit and loan differentials as their main source of profit. With the sustained slowdown of China's economic growth, the basic realization of marketization of interest rates, the rapid development of Internet finance, the further contraction of interest rates in China's banks, and the slowing down of profit growth, among them, The single-digit growth rate of net profit of state-owned banks has been the trend and is approaching the "zero era"; the net profit growth rate of joint-stock banks is better than that of state-owned banks, but it is only 5%. In this context, how to deal with the challenges of listed commercial banks in China, and then enhance their profitability has become an urgent problem that banks need to solve. Since the income of commercial banks is the source of their profits, the function of different income structures on the profitability of commercial banks will be different, so this paper will focus on the analysis of the current situation of the development of the income structure of listed commercial banks in China. In order to promote the transformation and upgrade of China's listed commercial banks and improve their profitability, reasonable suggestions are put forward. This paper will be carried out from six aspects: the first chapter is the introduction. This paper summarizes the research background and significance of this paper, summarizes the research results of domestic and foreign scholars, and on the basis of their research, determines the contents and methods of this paper, and then introduces the innovation and shortcomings. The second chapter is the introduction of the theoretical basis, which provides theoretical support for the research of the thesis. The third and fourth chapters respectively analyze the current situation of the income structure and profitability of 13 listed banks in China, and draw a preliminary judgment on the influence of income structure on profitability. Then using Stata measurement software, taking 13 most representative listed commercial banks as the research object, the bank data of 19 quarters from the first quarter of 2012 to the third quarter of 2016 are selected as the research samples, respectively. The regression analysis of state-owned banks and listed joint-stock banks shows the influence of income structure on profitability. The sixth chapter is based on the previous analysis, to adjust and optimize the income structure of commercial banks, and then improve their profitability put forward reasonable suggestions. The research results show that more diversified income structure will reduce the profit level of listed commercial banks, the increase of net interest margin is not conducive to the increase of profits of state-owned banks, but it can obviously enhance the profitability of joint-stock banks. Increasing the proportion of non-interest income can improve the profit level of both banks, especially for state-owned banks. Therefore, the state-owned banks should form the income structure with the non-interest business as the main profit source, and the joint-stock banks should still take the net interest income as the main business and develop the non-interest business step by step.
【學(xué)位授予單位】：首都經(jīng)濟(jì)貿(mào)易大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.33

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