【作者】 李岩；

【导师】 董继刚；

【作者基本信息】 山东农业大学 ， 会计（专业学位）， 2016， 硕士

【摘要】 随着我国经济增长方式的转变、利率市场化的推进和“金融脱媒”现象的日益显著,商业银行传统的信贷业务收入来源受到极大的挑战,商业银行面临一次重新的抉择——发展中间业务。在经济发达的西方主要国家,中间业务已经成为银行的主要经营业务和利润来源。在我国部分商业银行中,中间业务收入已经在营业收入中占有较大比例,成为银行第三大支柱业务。那么商业银行的中间业务收入受哪些因素的影响,哪些因素是主要因素,这些因素对中间业务收入增长的作用程度又是如何呢?基于以上问题,我们选择商业银行中间业务收入的影响因素进行研究,以期对我国商业银行中间业务发展提供借鉴。本文依据西方发达国家关于中间业务的相关理论,首先,较为系统地分析了商业银行中间业务发展的影响因素;其次,以16家包含国有、股份制、城商行和农商行商业银行为研究对象,借助2006-2014年的财务数据,在相关性检验、单位根检验和Hausman检验的基础上进行面板数据固定效应回归,实证分析了各个因素对中间业务收入的实际影响方向和影响效果。最后,结合我国商业银行中间业务发展的现状和问题提出了进一步优化商业银行发展中间业务、增加中间业务收入的对策建议。根据理论与实证分析,我们得出的结论是:衡量银行规模的总资产指标和中间业务收入之间存在显著性的正向变动关系;衡量银行安全性的不良贷款率指标和中间业务收入存在反向变动关系;衡量银行创新能力的业务及管理费指标和中间业务收入间存在显著性的正向变动关系;衡量银行监管力度的资本充足率指标和中间业务收入间不存在显著的正向影响,相反存在一定的反向变动关系;“金融脱媒”现象尽管存在,但囿于目前资本市场发展不够完善,银行贷款仍然是企业主要的资金来源,因此“金融脱媒”还没有起到倒逼中间业务发展的作用。更多还原

【Abstract】 With the transformation mode of economic growth, the promote of interest rate market,the financial dis-intermediation become more and more increasingly obvious,commercial banks income from traditional credit business have received a largely challenge,they are faced with a new choice-developing Intermediate Business. In economical developed Western countries, Intermediary Business has become a major business in their banks,thus, Intermediate Business income has become a major profit source. Now,in some commercial banks of our country, Intermediate Business has occupied a significant proportion in its market share, and become the third pillar business.Then, we maybe think which factors have influenced or will influence the commercial bank intermediate business?In those factors which factors are the main factors, what is the extent of these factors? Based on the above issues, we decided to study the factors of influence intermediary business revenue.My article based on the theory about intermediary business of Western countries,analysised the factors of influence the development of intermediary business. Subsequently,I have choose 16 commercial banks as the research object,include state-owned banks,joint-stock banks, city commercial banks and agricultural banks, with financial data from2006 to 2014, through panel unit root test, Hausman test established fixed effects regression,analysised the effect of various factors how affect intermediate business income. Finally,I discussed how to proposed banking intermediary business, increase business income,according to status and problems.According to the analysis, we concluded that: there was a significant positive relationship between assets and intermediate business income;NPL ratio or capital adequacy ratio have inverse relationship between intermediate business income;there was a significant positive relationship between administrative expenses and intermediate business income;financial dis-intermediation does not play a role in the intermediary business.更多还原