中国工商银行盈利模式创新研究

发布时间：2018-04-06 06:36

本文选题：银行盈利模式　切入点：盈利能力　出处：《西北大学》2013年硕士论文

【摘要】：全球金融市场化趋势越来越明显,利率市场化趋势使银行的盈利空间逐渐缩小,依靠传统的利差收入主导型经营模式已经越来越不能满足银行盈利的可持续发展。加上全球金融市场竞争越发激烈,随着我国金融业的不断对外开放,外资银行不断涌入,加剧了银行同业竞争,我国商业银行要想在目前严峻的经济形势下立足发展,就不得不考虑经营模式的转型。本文以中国工商银行为分析案例,在对商业银行盈利模式进行相关的理论研究之后,分析中国工商银行现阶段面临的国内外竞争环境。接着对工商银行盈利模式进行具体分析,通过多家银行之间的横向比较和其自身的纵向比较,分析工商银行现行盈利模式特点,针对影响银行盈利的不同影响因素,建立因素分析模型,进行计量经济分析,通过对结果的分析研究工商银行盈利模式的创新点。并最终在资产负债表内外两个方面创新设计出工商银行新的盈利模式,针对不同的实施措施给出相应的建议,提出相应的制度保障,提出注重风险成本控制、突出价值创造最大化的低成本占用型的新型盈利模式观点,为以后对银行盈利模式的研究提供了新的方向。银行经营环境都是在不断地变化中的,银行盈利模式也不能是一成不变的,工商银行要想在这样的环境下生存,就必须把握机遇,迎接挑战,改革创新盈利模式,实现盈利能力的可持续增长。
[Abstract]:The trend of global financial marketization is more and more obvious, and the interest rate marketization trend has gradually reduced the profit space of banks, and relying on the traditional interest-rate income oriented management model has been more and more unable to meet the sustainable development of bank profits.In addition, the competition in the global financial market is becoming more and more intense. With the continuous opening up of our financial industry and the continuous influx of foreign banks, the interbank competition has been intensified. If our commercial banks want to base themselves on development under the present severe economic situation,Must consider the transformation of the business model.This paper takes ICBC as an analysis case and analyzes the domestic and foreign competitive environment faced by ICBC at present after the relevant theoretical research on the profit model of commercial banks.Then the paper analyzes the profit model of ICBC, and analyzes the characteristics of the current profit model of ICBC through the horizontal comparison and its own vertical comparison between several banks, aiming at the different influencing factors of the bank's earnings.This paper establishes a factor analysis model, carries on the econometric analysis, studies the innovation of ICBC profit model through the analysis of the results.Finally, it designs the new profit model of ICBC in the balance sheet and inside and outside the balance sheet, and puts forward the corresponding suggestions for different implementation measures, the corresponding system guarantee, and puts forward the emphasis on risk cost control, and finally designs the new profit model of ICBC in both inside and outside the balance sheet.The new profit model with low cost and occupation, which emphasizes the maximization of value creation, provides a new direction for the study of bank profit model in the future.The operating environment of banks is constantly changing, and the profit model of banks cannot be fixed. If ICBC wants to survive in such an environment, it must seize the opportunity, meet the challenges, and reform and innovate the profit model.Achieving sustainable growth in profitability.
【学位授予单位】：西北大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33

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