中间业务结构对商业银行经营效率影响的实证的研究.pdf

中文摘要 对于所得分析结果，本文分别详析了不同中间业务子项目和经营效率的相关关 系和对效率的影响程度，并对回归的结果进行了分析和解释。 最后，依据理论分析和实证分析的结果，提出了针对中间业务结构的调整 所带来的银行经营效率变动的相应对策建议:第一，优化中间业务收入结构，不 断扩大中间业务收入在商业银行总收入中所占的比例；第二，加大中间业务投 入，及时进行统计分析，以便筛选出能较好增强商业银行经营效率的具体中间 业务；第三，加强金融创新，拓展新的中间业务；第四，创新的同时也要注意 控制风险；第五，培养中间业务需要的相关人才。 关键词：中间业务结构；商业银行经营效率；实证研究；解释分析；对策建议 II Abstrcat Abstract Abstract AAbbssttrraacctt As the one of the three pillar businesses in a modern commercial bank,intermediate business has been the subject of various commercial banks attention.Since twenty-first century,the domestic banking industry competition is intense with each passing day. Commercial banks traditional business can contribute smaller profit. But with low cost, low risk, high income for the characteristics,the intermediary business has become an important way ,which could increase bank competitiveness and profit,so develope the intermediate business of banks have importantsense. Question is, how should the intermediate business develop? Or, how should the rational allocation of relevant segments in intermediate business scale, has become a can directly influence the efficiency of commercial banks is the key problem in. Consulting business, clearing and settlement business, agency business, the bank card business and the financial business secured promises five intermediate business basically represents the entire intermediate business level, their structure proportion reflects not only the development of intermediate business of commercial banks, but also to a large extent reflects the commercial bank profit growth point and future development potential, so for the five small molecular business research, but also of greatsignificance. Efficiency is one of th