2007-2012中国商业银行业务运行分析报告

发布时间：2018-05-29 08:20

本文选题：商业银行 + 资产负债业务　；参考：《华中科技大学》2013年硕士论文

【摘要】：商业银行作为中国国民经济体系的基础，是否能够良好的运营直接关系到国民经济其他行业的发展。2007年全球金融危机席卷而来，我国经济发展减缓，银行监管愈来愈严，我国商业银行业务发展也受到了一定影响，因此本文重点研究2007后中国商业银行业务运行情况，同时解释发生这种变化的原因，总结我国商业银行业务经营和发展存在问题，由此提出相应对策。由于整体商业银行数据存在数据缺失，16家上市银行总资产占全行业80%以上，故以16家上市银行为重点研究对象，，结合环比动态分析法、比率分析法和因子分析法，重点分析了行业资产业务、负债业务和中间业务运行情况、影响因素，然后对全行业业务经营绩效予以评价，最后得出：一是利率市场化进程加快及国内经济平稳下滑导致商业银行依靠传统资产负债业务获取高利息净收入的压力不断增强，最近5年资产务增速回落，资产结构配置更加灵活；二是随着银监会管制越发严厉，商业银行中间业务开始走向规范化、健康化发展道路，商业银行中间业务增速暂时出现放缓，仍有巨大发展潜力；三是我国商业银行业务经营状况良好，2007-2012年期间整体呈上升趋势，其中2012年经营绩效得分较上年微降，商业银行业务转型迫在眉睫。总体来讲，金融危机爆发后，我国商业银行展现较好的应对态度并采取了适当防范措施，整体运营态势良好。
[Abstract]:As the foundation of China's national economic system, whether commercial banks can operate well or not is directly related to the development of other sectors of the national economy. The global financial crisis in 2007 has brought about a slowdown in the economic development of our country, and banking supervision has become more and more stringent. The development of commercial bank business in China has also been affected to some extent. Therefore, this paper focuses on the operation of Chinese commercial bank business after 2007, explains the reasons for this change, and summarizes the problems existing in the operation and development of commercial bank business in China. Accordingly, the corresponding countermeasures are put forward. Because of the lack of data in the whole commercial bank data, the total assets of 16 listed banks account for more than 80% of the total assets of the whole industry. Therefore, the 16 listed banks are taken as the key research object, combined with the dynamic analysis method of the ring ratio, the ratio analysis method and the factor analysis method. The paper mainly analyzes the operation of assets, liabilities and intermediate business, and the influencing factors, and then evaluates the performance of the whole business. Finally, it is concluded that: first, the accelerated process of marketization of interest rates and the steady decline of the domestic economy have led to increasing pressure on commercial banks to rely on traditional asset-liability businesses to earn high net interest income, and the growth rate of asset services has slowed down in the last five years. Second, with the regulation of CBRC becoming more strict, the intermediate business of commercial banks began to be standardized and healthy, and the growth rate of intermediate business of commercial banks slowed down temporarily, and there is still great potential for development. Third, the commercial bank business in our country is in good condition. During the period of 2007-2012, the business performance score in 2012 is slightly lower than that in the previous year, so the business transformation of commercial bank is imminent. Generally speaking, after the financial crisis broke out, Chinese commercial banks showed a good attitude and took appropriate preventive measures, and the overall operational situation was good.
【学位授予单位】：华中科技大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.2

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