资管新规下理财业务对银行绩效的影响与评价——基于15家上市银行数据实证研究被引量：2

Financial Services’ Influence and Evaluation on Bank Performance under the New Rules of Asset Management:An Empirical Study Based on the Data of 15 Listed Banks

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摘要本文基于我国2010-2018年15家上市银行的财务数据,实证检验了理财业务在资管新规下对我国商业银行财务绩效的影响,并运用杜邦分析来分解影响绩效的路径,结果表明理财业务收入对商业银行的绩效影响较小,但是理财业务会显著地促进银行的绩效。通过对不同所有制银行分别进行回归分析,结果显示理财业务收入对股份制银行的影响最大,其次是城商行,最微弱的是国有五大行。资管新规对商业银行的绩效带来一定的影响,商业银行的理财业务也将面临银行理财产品销售利润率下降和销售成本上升等问题,因此,建议处于资管新规过渡期的商业银行应采取创新保本类理财产品、加强投资者教育、引进Fintech管控成本的对策。 Based on the financial data of 15 listed banks in China from 2010 to 2018,this paper empirically examines the financial services' influence on bank performance under the new rules of asset management,and uses Dupont analysis to decompose the paths that influence the performance.The results show that the revenue of financial services has less impact on the performance of commercial banks,but will significantly promote the performance of the bank.This paper analyses banks with different ownership respectively by means of regression analysis,the result shows that revenue of financial services has the biggest influence on the joint-stock banks,followed by the city commercial bank and the five state-owned banks.The new rules of asset management bring certain effects on the performance of commercial banks,thus commercial banks' financial management business will face the problems such as sales margins decline of financial products and rising sales costs,and so on.Therefore,commercial banks in the transition period of new rules of asset management should adopt countermeasures such as innovative capital preservation products,strengthen the investor education and the introduction of Fintech cost control.

作者曾泓竣韦建慧陈美虹 ZENG Hong-jun;WEI Jian-hui;CHEN Mei-hong(Business School of Guangxi University,Nanning Guangxi 530004;College of Mathematics and Information Science of Guangxi University,Nanning Guangxi 530004)

机构地区广西大学商学院广西大学数学与信息科学学院

出处《天津商务职业学院学报》 2019年第4期28-36,42,共10页 Journal of Tianjin College of Commerce

关键词理财业务资管新规财务绩效交互影响商业银行 financial services new rules of asset management financial performance reciprocal effect commercial banks

分类号 F832.2 [经济管理—金融学]

作者简介曾泓竣(1996—),男,汉族,广西北海人,广西大学商学院硕士研究生。研究方向:投资,经济法与民商法;韦建慧(1991-),男,壮族,广西南宁人,广西大学商学院硕士研究生,中国建设银行股份有限公司宾阳支行副行长。研究方向:金融与投资管理;陈美虹(1997-),女,汉族,广西玉林人,广西大学数学与信息科学学院研究生。研究方向:金融数学。