摘要：商业银行作为我国金融体系的主体，其稳固发展对文系国民经济稳定与金融系统安全至关重要。随着金融改革持续推进，金融监管愈加严格，加之互联网金融的崛起以及证券市场的日趋完善，我国商业银行面临的经营环境更加严峻，过度依赖利息收入为主的经营模式将难以为继，必须适时转变盈利模式。本文选取16家上市银行的财务数据，通过构建随机效应模型分析净利息收入占比和以手续费及佣金收入为主的中间业务占比对银行整体盈利水平的影响，定量的研究我国商业银行盈利模式的转型方向，即是否应侧重发展中间业务。最后根据实证结论，提出关于我国商业银行转变盈利模式的可行性建议。29833
毕业论文关键词：商业银行；盈利模式；转型升级
A Research on the Profit Model Transformation Of China’s Commercial Banks
——Based on the Study of Listed Banks’ business structure
Abstract：Commercial Banks as the main body of the financial system in our country, its steady development is essential to the stabilization of national economic and the safety of financial system. With the financial reform proceeding, financial regulation increasingly strict, together with the rise of Internet financial and gradually perfect securities market, China’s commercial bank faces more severe business environment, excessive reliance on interest income as the main business model will be unsustainable, profit model must be converted in time. This article selects financial data of sixteen listed Banks, to study the influence of the proportion of net interest income and handling fee and commission income which represents intermediary business, on the banks’ overall profit level by constructing a random effects model, quantitatively analyze the transformation direction of China’s commercial banks’ profit model, namely whether should particularly promote the development of intermediary business. Finally according to the research conclusion, putting forward feasible suggestions in view of our country’s commercial banks’ profit model transformation.
Key words:Commercial banks；Profit model；Transformation and upgrading
目 录
摘要1
关键词1
Abstract1
Key words1
一、引言 1
二、文献综述 2
三、我国商业银行盈利模式的发展现状及存在问题 3
（一）商业银行盈利模式的发展现状 3
1．净利润增速继续放缓 4
2．存贷款业务增速下降 4
3．中间业务品种单一 5
4．营收构成逐年变化 5
（二）两类商业银行盈利模式的比较 5
（三）商业银行盈利模式问题小结 6
1．利息收入比重依然较高 6
2．中间业务收入比重较低 6
3．金融创新不足 7
4．存贷比较低 7
四、我国商业银行盈利模式转型的内外部驱动因素 7
（一）外部驱动因素 7
1．经济转型 7
2．金融改革 7
3．资本约束 7
4．金融脱媒 7
5．利率市场化 8
6．客户需求多元化 8
7．信息技术发展 8
（二）内部驱动因素 8
1．信贷业务劣势曝露 8
2．中间业务优势凸显 8
3．文护股东利益 8
五、我国上市银行盈利模式的实证研究 8
（一）样本选择与变量设置 8 我国商业银行盈利模式转型研究:http://www.751com.cn/jingji/lunwen_25234.html