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论文编号：	8612
作者编号：	2220120419
上传时间：	2016/11/29 10:15:49
中文题目：	利率市场化对商业银行盈利能力的影响及对策研究
英文题目：	The influence of commercial bank profitability from Market-based interest rate reform and countermeasure research
指导老师：	戚安邦
中文关键字：	利率市场化 商业银行 盈利能力
英文关键字：	Market-based interest rate reform Commercial Banks Profitability
中文摘要：	从1996年我国利率市场化进程正式启动起来，经过十余年的渐进式改革，我国利率市场化改革进程不断深化。深入探究利率市场化对商业银行行为的影响，分析商业银行经营行为调整对策，具有很强的实践指导意义。本文首先研究分析美国等发达经济体利率市场进程对商业银行盈利能力的影响。通过借鉴国际经验，深入研究我国商业银行盈利能力现状，从存贷利差收窄、自主定价能力、风险防范能力、创新服务能力、行业结构面临调整等方面研究现有商业银行体系面临挑战。在规范分析的基础上，本文通过构建演化博弈模型来分析商业银行经营行为的调整策略，深入分析影响商业银行调整经营行为的因素。并运用2005-2014年上市银行数据，建立面板数据计量模型进行实证研究，研究结果显示，提升非利息收入占比水平，实现收入渠道的多元化，对资本回报率有显著的正向推动作用；严控经营成本，提升资产投入产出效率，有望提升商业银行资本回报率。最后提出盈利模式转型的研究结论。
英文摘要：	Starting in 1996, The Market-based interest rate reform of China has experienced several decades by the way of incremental reform.The Market-based interest rate reform must have a significant impact on the management of China’s commercial banks.So,the research on the influence of the Market-based interest rate reform and the adjustment of commercial bank’s management behavior has strong practical significance. This paper studies the analysis the influence of commercial bank profitability from the interest rate market in the United States and other developed economies.Through learning from international experience, this paper thoroughly studies the present situation of commercial banks’ profitability. Research suggests that the existing commercial bank system face challenges from Several aspects, such as the narrowing of loan-deposit?spreads,the ability of independent pricing,the ability of risk prevention , the innovation of service,and the adjustment of industry structure.On the basis of normative analysis, this paper build a evolutionary game model to analyze the adjusting strategy of commercial bank’s management behavior, to analysis the influencing factors .Then this paper builds a panel data econometric model to empirical research by the data of china’s Listed Banks from 2005 to 2014.The results showed that, the diversification of income, and the promotion of Intermediate business income have significant positive role in promoting returns on capital.Additionally, returns on capital of commercial bank is expected to improve through the Strict controls of operating costs and the improvement of input-output efficiency.
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