非利息收入业务盈利成长性及其效应评价.pdfVIP

协整方程的估计对商业银行非利息收入业务的盈利成长性效应进行测算，并以测 算结果为依据，对非利息收入业务的盈利成长性效应的检验结果进行分析。 论文主要在以下几个方面进行了创新性探讨： 第一，商业银行非利息收入业务盈利成长能力评价。非利息收入业务作为商 业银行日益重要的业务收入来源，其盈利成长能力对于商业银行的经营绩效具有 重要的影响。从现有研究成果来看，对该问题的研究尚少。本文对我国主要商业 银行的非利息收入业务盈利成长能力进行了测度与评价，从盈利性、成长性与微 环境保障力三个角度，对我国商业银行非利息收入业务的盈利成长情况加以评价 与比较，形成对现有研究成果的有益补充。 第二，商业银行非利息收入盈利成长性效应检验。本文从差异化的商业银行 非利息收入业务发展现状与统一化的银行经营管理目标出发，构建非平稳面板协 整模型，完成了从时间和截面两个维度对非利息收入的盈利成长性效应的检验。 关键词：非利息收入；盈利成长能力；盈利成长性效应 II Evaluation of Profit Growth Capacity and Effects of Non- interest Income Business Abstract After the global financial crisis in 2009, the banking industry has been groping its way forward in the up-and-down macroeconomic and industry environment. In the face of imminent market-oriented reform of interest rate, commercial banks’ interest spreads of deposit and loan will be compressed. With the new requirements of the capital adequacy regulation and greater competition pressure, commercial banks in some countries and regions have started to adjust their operation strategy. For example, in the United States many banks have started to transform their traditional credit business to non-interest business, such as fees, commissions and trade income. EU banking non-interest income has also greatly increased. Having experienced the stage of high ratio and being compressed, non-interest income business in our country is arising. In recent years, non-interest income proportion in banks’ income has constantly increased. By the end of 2011, the four major state-owned commercial banks’ non-interest income had accounted for 24% of total operating income. Development of non-interest income business is of great significance to the reform and mana