我国商业银行收入结构对绩效影响的研究——以13家上市商业银行为例

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1、AbstractCommercialbahksofChinarelymainlyontraditionalcreditbusinessforbankbusinessincomeramermaIlnon．interestrevenueandotherbusinessincomenowadays·Non‘mterestbusinessisasimportantaScreditbusinessinadvancedforeignbanks，SOtheincomestructureotC№，scomm喇a1baIll【sisun

2、reasonable．Therefore，thedomesticbanksreachtheconsenSusthatitisessentialtoimplementthestrategyoftransitionandchangetraditionalmanagementmodeandmodeofgrowmwhichrelyonscaleexpansionandincomecredit·Changingtheincomestmctureisthecenterofstrategyoftransitionandbanking

3、businessinnoVationinthewholebankingsector．In“scontext，thispaperisatentativestudyoftheincomestrucnlreotdomesticcommercialbanks．Thispaperd100ses13representativelistedcommercialbanksinChinaasresearchobjects·Basedonmeresearchresultsathomeandabroadandcombinedwiththes

4、pecificsituationofthelistedco眦ercialbal血sinChina，theresearchusedshift-sharemodel，multiple11nearregressionmodelforpaneldataandcomparativeandinductivemethodstoresearchonthereVe眦es觚ctureofChina'scommercialbankssystematically．First，basedonthe1ncomestmctllreofC11ina’

5、scommercialbanks，usetheshift-shareanalysismethodtoevaluatethee毹ctiv鲫essofthereVenuestructureofChina’scommercialbanks；Second，accountmgforrevenue行omthecredit，theproportionofnon—interestrevenueandinvestmentreVenuerespecti、，ely，performtheempiricalanalysisontherevenu

6、eofthebanks，andcometotheconclusionthatdiff打enttypesofrevenueratioimpactonthebankperformancedifferently；third，&awconclusionsandmakerecommendations．ThispaperusesShift．sharemodeltoevaluatetheeffectivenessoftheincomes咖ctureotChinaIscommercialballksfromtwoaspects．Ono

7、nehand，consideringforeignadvancedbanksasbencm破舶mmeb鲫岫ngsectorintegritypointofview,thepapermadeastudyofbusiness盯owm，incomestructureandcompetitivenessofChina'sbankingsectorcomparedwlthforeignadvaIlcedbal像s．Ontheotherhand，thispaperconsideredtotalrevenueofChlna’sban

8、kingindus仃vasthestandardfromthepointofdifferencesofallcommercialbanks，researchesthedi伍erenceofrevenuestmctureandlevelofcompetitivenessbetweendomesticcommerclalbanksin