我国商业银行存款吸收能力影响因素研究与策略分析
发布时间：2018-11-11 17:00
【摘要】：近年以来,随着我国商业银行的不断发展,存款吸收业务类型日益多元化,存款总量逐年增加,并保持相对稳定的态势。对于银行来说,存款吸收业务是基础性业务,如果一个银行存款吸收业务能够稳定增长,吸收能力能够不断增强,那么不仅银行经营有了良好的物质基础,更能够推动银行其他业务的发展,并保障总体的经济效益。除此之外,较好的存款吸收能力和水平也是在竞争环境下保持自身优势,增强市场占有率和收益率的前提条件。然而,随着金融市场的不断发展,银行存款吸收业务也面临了诸多挑战。从目前来看,商业银行不仅面临着储蓄难度增大,储蓄率增长放缓的下行压力,还要与市场中其他理财产品及金融衍生品进行竞争,收益率高者更易受到消费者的青睐。与此同时,近年来宏观经济增速放缓,居民收入和储蓄倾向也发生了较大的变化,相对落后的社会保障体系无法满足居民对更高保障水平的要求,这使得客户不再单纯追求存款的收益率,更关注个人需求和长期的综合效益等。正是以上多重因素的共同作用,银行存款吸收能力难以提高。另外,金融体系全球化加深,交流增多,商业银行间融合与学习走向了全球领域,竞争平台从同行业同领域拓展到了更大的层面,存款吸收能力也受到金融体系竞争的制约。综上所述,我国商业银行存款吸收能力的影响因素日益多元化,但各银行存款吸收率有高有低,是多种因素共同作用的结果。本论文力求在竞争日益加剧的大背景下,对商业银行存款吸收能力影响因素进行探究,从而为行业发展提出合理化建议。更为关键的是,论文不再将银行存款吸收率视为单一变量,而将其与我国社会保障体系构建结合起来,这既是国民对于高水平保障体系的反映,也是经济增长与社会效益结合的体现。在研究中,我们选择了居民收入、居民储蓄率、竞争产品收益率、社会保障体系构建进度、存款利率等多个因子,运用统计学方法进行多元线性回归分析,并进行实证探究,得出相关结论,提出相应的建议。同时,本研究从时间序列分析的纵向角度进行增长率的分析与研究。通过实证研究,我们既看到了商业银行总体存款吸收能力状况良好,总存款量不断增长,也认识到增速放缓、结构性缺失、储蓄倾向变化、对社会保障体系考量日益增多等现状,这对未来我国商业银行发展带来了更多挑战。
[Abstract]:In recent years, with the continuous development of commercial banks in China, the types of deposit absorption business are increasingly diversified, the total amount of deposits increase year by year, and maintain a relatively stable situation. For banks, deposit absorption business is the basic business. If a bank's deposit absorption business can grow steadily and its absorption capacity can be continuously enhanced, then not only banks have a good material basis for their operations, More can promote the development of other banking business, and to protect the overall economic benefits. In addition, the better ability and level of deposit absorption is also the precondition to maintain its own advantages and enhance market share and return rate in the competitive environment. However, with the continuous development of the financial market, the bank deposit absorption business also faces many challenges. At present, commercial banks not only face the downward pressure of increasing the difficulty of saving and slowing down the growth of savings rate, but also compete with other financial products and financial derivatives in the market. At the same time, the macroeconomic growth rate has slowed in recent years, and the income and saving tendencies of the residents have also changed greatly. The relatively backward social security system cannot meet the requirements of the residents for a higher level of security. This makes customers no longer simply pursue the rate of return on deposits, pay more attention to personal needs and long-term comprehensive benefits. It is the combination of the above factors, bank deposit absorption capacity is difficult to improve. In addition, with the deepening of financial system globalization, the increase of communication, the integration and learning of commercial banks into the global field, the competitive platform has expanded from the same industry to a larger level, and the ability of deposit absorption is also restricted by the competition of the financial system. To sum up, the influencing factors of deposit absorption capacity of commercial banks in China are becoming more and more diverse, but the deposit absorption rate of each bank is higher and lower, which is the result of the joint action of many factors. This paper tries to explore the influence factors of commercial bank's deposit absorption ability under the background of increasingly fierce competition, so as to put forward some reasonable suggestions for the development of the industry. More importantly, the paper no longer regards the rate of bank deposit absorption as a single variable, but combines it with the construction of China's social security system, which is a reflection of the high level security system. It is also the embodiment of the combination of economic growth and social benefits. In the study, we selected many factors, such as resident income, resident savings rate, competitive product return rate, social security system construction progress, deposit interest rate and so on, and used the statistical method to carry on multivariate linear regression analysis, and carried on the empirical research. Draw relevant conclusions and put forward corresponding suggestions. At the same time, the growth rate is analyzed and studied from the longitudinal angle of time series analysis. Through empirical research, we not only see that the overall deposit absorption capacity of commercial banks is good, the total deposit volume is increasing, but also realize that the growth rate is slowing, the structure is missing, and the tendency of saving is changing. The increasing consideration of social security system brings more challenges to the future development of commercial banks in China.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.33
本文编号：2325542
[Abstract]:In recent years, with the continuous development of commercial banks in China, the types of deposit absorption business are increasingly diversified, the total amount of deposits increase year by year, and maintain a relatively stable situation. For banks, deposit absorption business is the basic business. If a bank's deposit absorption business can grow steadily and its absorption capacity can be continuously enhanced, then not only banks have a good material basis for their operations, More can promote the development of other banking business, and to protect the overall economic benefits. In addition, the better ability and level of deposit absorption is also the precondition to maintain its own advantages and enhance market share and return rate in the competitive environment. However, with the continuous development of the financial market, the bank deposit absorption business also faces many challenges. At present, commercial banks not only face the downward pressure of increasing the difficulty of saving and slowing down the growth of savings rate, but also compete with other financial products and financial derivatives in the market. At the same time, the macroeconomic growth rate has slowed in recent years, and the income and saving tendencies of the residents have also changed greatly. The relatively backward social security system cannot meet the requirements of the residents for a higher level of security. This makes customers no longer simply pursue the rate of return on deposits, pay more attention to personal needs and long-term comprehensive benefits. It is the combination of the above factors, bank deposit absorption capacity is difficult to improve. In addition, with the deepening of financial system globalization, the increase of communication, the integration and learning of commercial banks into the global field, the competitive platform has expanded from the same industry to a larger level, and the ability of deposit absorption is also restricted by the competition of the financial system. To sum up, the influencing factors of deposit absorption capacity of commercial banks in China are becoming more and more diverse, but the deposit absorption rate of each bank is higher and lower, which is the result of the joint action of many factors. This paper tries to explore the influence factors of commercial bank's deposit absorption ability under the background of increasingly fierce competition, so as to put forward some reasonable suggestions for the development of the industry. More importantly, the paper no longer regards the rate of bank deposit absorption as a single variable, but combines it with the construction of China's social security system, which is a reflection of the high level security system. It is also the embodiment of the combination of economic growth and social benefits. In the study, we selected many factors, such as resident income, resident savings rate, competitive product return rate, social security system construction progress, deposit interest rate and so on, and used the statistical method to carry on multivariate linear regression analysis, and carried on the empirical research. Draw relevant conclusions and put forward corresponding suggestions. At the same time, the growth rate is analyzed and studied from the longitudinal angle of time series analysis. Through empirical research, we not only see that the overall deposit absorption capacity of commercial banks is good, the total deposit volume is increasing, but also realize that the growth rate is slowing, the structure is missing, and the tendency of saving is changing. The increasing consideration of social security system brings more challenges to the future development of commercial banks in China.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.33
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