招商银行盈利能力及影响因素研究

发布时间：2018-05-12 08:37

本文选题：招商银行 + 盈利能力　；参考：《西北大学》2013年硕士论文

【摘要】：商业银行是经营信用的企业,在整个社会经济体系中占有举足轻重的地位,如果一个银行破产倒闭,有可能影响这家银行的国家信用基础,而如果一系列银行倒闭,则可能动摇整个国家的经济根基。银行业的稳健运行是整个国家正常运转的基本保障。安全性、效益性和流动性是商业银行经营的基本原则,这三项原则有机结合保证银行的正常运转,而归根结底还是要提高商业银行盈利能力。在我国经济体制改革的进程中,股份制商业银行孕育而生,在十几年的发展过程中,高效运用资本市场,获得了较强的抗风险能力,盈利能力稳步提升,但是这其中还是存在诸多影响盈利能力提升的问题,需要我们去研究并改进。在众多的股份制银行中,招商银行是其中非常具有代表性的一家,通过分析招商银行的盈利能力现状及存在的问题,提出改进盈利能力的对策建议,为股份制商业银行科学发展指明路径。文章对招商银行基本情况以及运营状况、业务结构作简要介绍,然后将招商银行盈利能力现状与主要的国有银行、股份制银行进行比较分析,对可能影响招商银行盈利能力的因素做出评价,然后按照一定的指标选取原则,选择了包括8个方面的16项指标衡量招商银行盈利能力影响因素,运用灰色关联分析法计算招商银行2002-2006年和2007-2011年盈利能力与各指标之间的关联度,分析关联度变化情况,得出实证结果;通过实证结果分析发现当前制约招商银行盈利能力提升的因素中,主要以银行自身内部因素为主,其中银行资产规模、净利息收益率、资本充足率、资产流动性是制约招商银行盈利能力提升的最主要因素,此外,管理水平、资产质量、银行业市场结构、外资银行进入也是影响其盈利能力的重要因素。最后文章提出改进招商银行盈利能力的对策建议。包括合理扩大招商银行资产规模,实现规模经济；加强常规业务的管理,提高主营业务的盈利水平；大力发展非利息收入业务,实现多元化经营；提高费用管理能力,强化成本控制；保证资金流动性充足,预防流动性风险等。
[Abstract]:Commercial banks are enterprises that operate credit and play an important role in the whole social and economic system. If a bank goes bankrupt, it may affect the national credit base of the bank, and if a series of banks fail, It could shake the country's economic foundations. The steady operation of the banking industry is the basic guarantee for the normal operation of the whole country. Security, efficiency and liquidity are the basic principles of commercial bank management. These three principles combine organically to ensure the normal operation of the bank, but in the final analysis, it is necessary to improve the profitability of the commercial bank. In the process of economic system reform in our country, joint-stock commercial banks have been born. In the development process of more than ten years, the efficient use of the capital market has gained a strong ability to resist risks, and the profitability has been steadily improved. However, there are still many problems that affect profitability, which need to be studied and improved. Among many joint-stock banks, China Merchants Bank (CMB) is one of the most representative banks. To point out the path for the scientific development of joint-stock commercial banks. This paper briefly introduces the basic situation, operation condition and business structure of China Merchants Bank, and then compares the present situation of China Merchants Bank's profitability with that of major state-owned banks and joint-stock banks. This paper evaluates the factors that may affect the profitability of China Merchants Bank, and then selects 16 indicators including 8 aspects to measure the factors affecting the profitability of China Merchants Bank according to the principle of selecting certain indicators. The grey relational analysis method is used to calculate the correlation degree between the profitability of China Merchants Bank from 2002 to 2006 and 2007 to 2011 and to analyze the change of correlation degree, and the empirical results are obtained. Through the empirical analysis, we find that the main factors restricting the profitability of China Merchants Bank are the internal factors of the bank itself, including the size of bank assets, net interest rate, capital adequacy ratio. The liquidity of assets is the most important factor that restricts the profitability of China Merchants Bank. In addition, the level of management, the quality of assets, the structure of banking market and the entry of foreign banks are also the important factors affecting the profitability of China Merchants Bank. Finally, the article puts forward the countermeasures and suggestions to improve the profitability of China Merchants Bank. Including reasonable expansion of China Merchants Bank assets scale to achieve economies of scale; strengthen the management of conventional business to improve the profitability of the main business; vigorously develop non-interest income business to achieve diversification; improve the ability of cost management, Strengthen cost control; ensure sufficient liquidity and prevent liquidity risk.
【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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