我國商業(yè)銀行多元化收入結(jié)構(gòu)對經(jīng)營績效的影響研究.pdf

1、湖南大學(xué)碩士學(xué)位論文我國商業(yè)銀行多元化收入結(jié)構(gòu)對經(jīng)營績效的影響研究姓名：易園申請學(xué)位級別：碩士專業(yè)：會計學(xué)指導(dǎo)教師：鄧永勤20101118碩十：學(xué)l專論之AbstractThedualpressureofinternalandexternalcompetitive，andincreasinglycomplexmarketenvironmentmakethedevelopmentofChinesecommercialbanks’tradi

2、tionalcreditbusinessseverelysqueezedandcomprehensivemanagementchallenged，SOtransformationofbusinessstrategyisimperativeAttachingimportancetononinterestincome，increasingtheshareofnon—interestincomeintherevenuestructure，an

3、dbuildingadiversifiedrevenuestructurehavebecomeanimportantmeansforChina’ScommercialbankstoachievenewrevenuegrowthpointandstrengthenthecompetitiveadvantageHowever，whetherthediversifiedrevenuestructurecanimprovethebanks’pe

4、rformanceornotisstillworthdeeplyexploringThisarticleonthistopicwillusenormscombiningwithempiricalresearchtodialysistheintrinsiclinkbetweentherevenuestructureandbanks’performance，whichisimportantforChina’Scommercialbankst

5、ooptimizerevenuestructureandforregulatoryinstitutiontobuildamoreeffectivemonitoringmechanismsInthisarticle，weexplainthereasonofChina’Scommercialbanksdevelopingdiversifiedrevenuestructurefromthetheoriesoffinancialinnovati

6、on，diversitytheoryandeconomiesofscopeOnthebasis，weselectthefinancialdataof14commercialbanksduringtheperiodof1999to2009astheresearchsampletohaveaoverallandpacketinspectiononeffectofChina’Scommercialbanksdiversifiedrevenue

7、structureonperformanceTheresultindicatesthatthereisastablepositivecorrelationbetweennoninterestincomeandbanks’performanceforallofthecommercialbanksandStateownedbanks，Whilewefindthattheproportionofnon—interestincomecanhav

8、eapositiveimpactonbanks’performanceinthejoint—stockbanks，yetdiversifiedincomestructureshowsanegativecorrelationwithperformanceMeanwhileitrevealsthattheproportionofnon—interestincomeanddiversifiedrevenuestructurehavealagg

9、edeffectofdifferentlevelsonbanks’performanceTherefore，somesuggestionsaregiventooptimizeChinesecommercialbanks’revenuestructure：strengtheningthefinancialregulatorysystemtoenlargethepositiveeffectsofdiversifiedrevenue；trai