我国上市银行收入结构转型问题分析.pdfVIP

摘要 在金融全球化日益深入的背景下，先进商业银行不断改革经营方式，逐步 降低传统信贷业务在收入业务中的比重，增加非利息收入业务，实现收入结构 的多元化。而长期以来，我国上市银行却对利息收入高度依赖，由此导致收入 结构的单一化和不平衡，对其提高盈利能力、增强国际竞争力产生一定的不利 影响。在这种情况下，我国各上市银行纷纷采取多元化的发展战略，提高非利 息收入在营业收入中的比重。在此背景下研究我国上市银行收入结构的转型问 题具有一定的现实意义。 本文首先对上市银行收入结构的评价指标及影响因素进行了分析，并在与 欧美国家商业银行收入结构对比后对我国上市银行收入结构转型趋势进行分 析。文中以 5 家大型国有商业银行、7 家股份制商业银行为样本，以 2006-2011 年为样本的时间跨度，实证分析了我国上市银行收入结构的影响因素。 本文从国际国内金融环境的复杂多变及上市银行本身的发展方面分析了银 行收入结构转型的必要性，同时对转型过程中的问题从促进中小企业信贷业务 发展、增加以中间业务为主的非利息收入及加强对非利息收入业务的风险监管 方面提出了一些建议。 【关键词】上市银行 中间业务 非利息收入 收入结构转型 Abstract In the context of deepening financial globalization, advanced commercial banks continue to reform the mode of operation, and gradually to reduce the proportion of the traditional credit business income business, to increase the non-interest income business, diversified revenue structure. A long time, but Chinas listed banks interest income is highly dependent on the resulting single income structure and imbalance. There will be certain adverse effects to listed banks on improving profitability, and enhancing the international competitiveness. In this case, each of the listed banks is having taken a wide range of development strategies, to enhance the proportion of non-interest income in operating income. To study the restructuring of Chinas listed banks income has certain practical significance in this context . In this paper, at the first, there are evaluation indicators and influencing factors on the revenue structure of the listed banks income. In addition, in contrast with the revenue structure of Europe and the United States commercial banks, there is an analysis on Chinas listed banks restructuring trend. Five large state-owned commercial banks, seven joint -stock commercia