影响中国上市商业银行盈利能力的因素分析
发布时间：2019-03-28 10:50
【摘要】：商业银行作为金融行业三大支柱之一在经济发展中占据重要作用,尤其是在我国目前直接融资的资本市场不发达的情况下,具有间接融资作用的商业银行在我国经济发展中的地位更为重要,自从股份制商业银行的相继成立以及我国加入WTO以后,我国的金融市场逐渐放开,外资银行的进入,加剧了我国银行业的竞争。商业银行盈利能力的高低将直接关系到该银行能否在残酷的银行业竞争中占得一席之地,所以对影响商业银行盈利能力的因素的分析在理论上和实务上都显得格外重要。近些年对该问题的研究很多,也提出了一些影响商业银行盈利能力的因素,但是研究都相对独立,没能从整个经济体系中研究影响商业银行盈利能力的发展潜力的因素。 本文以我国实际经济情况和改革的方向为背景,在以前有关学者研究的基础上,通过对目前已经上市的16家商业银行的2003年到2012年相关数据的分析,研究这些银行的盈利状况以及影响其盈利能力的因素,在众多研究因素中提炼出影响程度可能最大的七个指标,并建立经济计量模型,运用多元回归分析方法进行研究。本文主要分为以下几部分,第一章主要介绍了国内外学者对相关问题的研究；第二章分别介绍了我国国有商业银行以及股份制商业银行的盈利能力现状；第三章运用理论分析的方法对影响我国商业银行盈利能力的因素进行了分析,并提出了本文的假设；第四章则运用多元回归分析方法对影响我国已经上市的商业银行盈利能力的因素进行了实证分析；第五章则提出了对我国商业银行改革的一些政策建议等。 只有深入研究影响我国商业银行盈利能力的因素,才能在有重点的采取措施提升我国商业银行的竞争力,也是本文研究的落脚点。
[Abstract]:As one of the three pillars of the financial industry, the commercial bank plays an important role in the economic development, especially in the case of the underdeveloped capital market in our country, the position of the commercial bank with the indirect financing function is more important in the economic development of our country, Since the establishment of the joint-stock commercial banks and the entry of our country into the WTO, the financial market of our country has gradually opened, and the entry of foreign banks has increased the competition of our banking industry. The high and low of the profitability of the commercial banks will be directly related to whether the bank can take a place in the fierce competition of the banking industry, so the analysis of the factors that affect the profitability of the commercial banks is very important in theory and practice. In recent years, many researches have been made on this problem, and some factors that affect the profitability of commercial banks have been put forward, but the research is relatively independent, and the factors that influence the development potential of the profitability of the commercial banks have not been studied from the whole economic system. Based on the analysis of the relevant data from 2003 to 2012 of the 16 commercial banks that have been listed, the paper studies the profit status of these banks and the factors that affect their profitability, based on the actual economic situation and the direction of the reform in our country. In this paper, seven indexes, which may be the most likely to be most affected, are extracted from a number of research factors, and the economic measurement model is established, and the multiple regression analysis method is used for the research. This paper is mainly divided into the following parts: the first chapter mainly introduces the research of the relevant problems at home and abroad; and the second chapter introduces the current profit ability of the state-owned commercial banks and the joint-stock commercial banks in our country. The third chapter uses the method of the theory analysis to analyze the factors that affect the profitability of the commercial banks of our country, and put forward the hypothesis of this paper; the fourth chapter uses the multiple regression analysis method to make an empirical analysis on the factors that affect the profitability of the commercial banks that have already been listed in China. The fifth chapter puts forward some policy suggestions for China's commercial bank reform Only in-depth study of the factors that affect the profitability of our commercial banks can we take measures to improve the competitiveness of our commercial banks.
【学位授予单位】：东北财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33
本文编号：2448793
[Abstract]:As one of the three pillars of the financial industry, the commercial bank plays an important role in the economic development, especially in the case of the underdeveloped capital market in our country, the position of the commercial bank with the indirect financing function is more important in the economic development of our country, Since the establishment of the joint-stock commercial banks and the entry of our country into the WTO, the financial market of our country has gradually opened, and the entry of foreign banks has increased the competition of our banking industry. The high and low of the profitability of the commercial banks will be directly related to whether the bank can take a place in the fierce competition of the banking industry, so the analysis of the factors that affect the profitability of the commercial banks is very important in theory and practice. In recent years, many researches have been made on this problem, and some factors that affect the profitability of commercial banks have been put forward, but the research is relatively independent, and the factors that influence the development potential of the profitability of the commercial banks have not been studied from the whole economic system. Based on the analysis of the relevant data from 2003 to 2012 of the 16 commercial banks that have been listed, the paper studies the profit status of these banks and the factors that affect their profitability, based on the actual economic situation and the direction of the reform in our country. In this paper, seven indexes, which may be the most likely to be most affected, are extracted from a number of research factors, and the economic measurement model is established, and the multiple regression analysis method is used for the research. This paper is mainly divided into the following parts: the first chapter mainly introduces the research of the relevant problems at home and abroad; and the second chapter introduces the current profit ability of the state-owned commercial banks and the joint-stock commercial banks in our country. The third chapter uses the method of the theory analysis to analyze the factors that affect the profitability of the commercial banks of our country, and put forward the hypothesis of this paper; the fourth chapter uses the multiple regression analysis method to make an empirical analysis on the factors that affect the profitability of the commercial banks that have already been listed in China. The fifth chapter puts forward some policy suggestions for China's commercial bank reform Only in-depth study of the factors that affect the profitability of our commercial banks can we take measures to improve the competitiveness of our commercial banks.
【学位授予单位】：东北财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33
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