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论文编号：	9313
作者编号：	2120152479
上传时间：	2017/6/19 22:45:14
中文题目：	多元化经营对我国商业银行绩效的影响
英文题目：	The Study on the Effect of Diversification on Performance of Chinese Commercial Bank
指导老师：	王曼舒
中文关键字：	收入多元化；贷款产品多元化；非利息收入产品多元化；银行绩效
英文关键字：	Income diversification; Loan product diversification; Non- interest income product diversification; Bank performance
中文摘要：	随着我国金融市场的逐渐完善，利率市场化进程进一步推进，信贷收入越来越饱和，银行间的竞争越来越激烈，巴塞尔协议III 对资本充足率提出了更高的要求，拓宽银行收入渠道的重要性越来越显著。商业银行为了增强自身的竞争力，纷纷在非利息收入业务上寻求出路，与此同时如何利用有限的资金进行贷款产品的选择以实现利息收入的最大化也成为了一个重要议题。但是对于非利息收入是否能提高银行绩效，与此相关的多元化能不能提高银行的绩效，相关的研究经久不衰，但是一直没有一个统一的结论。本文系统的研究了收入多元化和利息、非利息产品多元化对银行绩效的影响，研究结果对于银行业实行多元化战略的具体举措具有重要的指导意义。 本文选取的样本包括大型商业银行、股份制银行、城商银行三类银行，采用理论分析和实证分析相结合，使用stata14.0 软件对Wind 数据库中的120 家银行2006-2015 年的财务数据进行回归分析。本文内容共分为6 章，第一章介绍了选题背景与选题意义、研究内容与研究框架、研究方法和创新点；第二章给出了相关概念的界定，并对相关理论和文献进行回顾；第三章分析了我国商业银行传统业务收入、非利息业务收入和盈利的现状。第四章使用stata14.0 软件对我国商业银行多元化对绩效的影响进行实证分析；第五章内容是研究结论和不足，以及结合实证分析结果提出的政策建议，并对未来的研究方向进行了展望。 本文结论如下：第一，收入多样化能提升银行绩效。不管是对国大型商业银行银行、股份制银行还是城商银行，收入多元化都能提高提高盈利水平，同时降低不良贷款率。但是会增加盈利的波动性。第二，贷款产品多元化能降低银行绩效，提高银行收益的波动性，同时显著提高不良贷款率。这一结论对所有类型的银行同样适用。第三，非利息收入产品多元化对银行绩效的影响因银行类型而异。对于大型商业银行银行非利息收入多元化会提高银行盈利水平，但同时也会提高盈利波动性，但是对股份制银行和城商银行，非利息收入多元化不能提高银行的盈利水平，对不良贷款率的影响不显著。
英文摘要：	As Chinese financial market gradually improving, the progress of interest rate liberalization is promoted further, credit income is increasingly saturated, which intensifies the competition between banks, and Basel III has put forward higher requirements on the capital adequacy ratio. All those make the importance to broaden the bank income channels more obvious. In order to enhance their competitiveness, Commercial banks are seeking a way out in the non interest income business, at the same time, how to choose loan products to maximize interest income with limited funds has become an important issue. However, whether the non interest income and the related diversification can improve the performance of banks or not, there has been enduring relevant research, but without unified conclusion. This paper systematically studies the influence of diversification of income, interest and non interest product diversification on bank performance. The results of this study have important guiding significance for the implementation of the diversification strategy of the banking industry. This paper selects samples including state-owned banks, joint-stock banks, city commercial banks，combined theoretical analysis and empirical analysis, using stata14.0 software to carry out regression analysis with 2006-2015 data of 120 banks in Wind database. This paper is divided into 6 chapters, the first chapter introduces the background and significance of the topic, research content and research framework, research methods and innovation; the second chapter gives the definition of related concepts, and reviews the related theory and literature review; the third chapter analyzes the current situation of China's commercial banks traditional business income, non interest business revenue and profit. The fourth chapter uses stata14.0 software to analyze the impact of diversification on the performance of commercial banks in China; the fifth chapter is the research conclusions and deficiencies, and the results of empirical analysis and put forward policy suggestions and future research directions are discussed. The conclusions of this paper are as follows. First, the diversification of income can improve bank performance. Whether it is state-owned banks, joint-stock banks or city commercial banks, income diversification can improve the level of profitability, while reducing the rate of non-performing loans. But it will increase the volatility of earnings. Second, the diversification of loan products can reduce the performance of banks, improve the volatility of bank returns, and significantly improve the rate of non-performing loans. This conclusion applies equally to all types of banks. Third, the impact of non-interest income product diversification on bank performance varies by bank type. For state-owned banks, non-interest income diversification will improve the profitability of banks, but also increase the volatility of earnings. For the joint-stock banks and city commercial banks, non-interest income diversification can't improve the profitability of banks, and has no significant effect on the rate of non-performing loans.
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