我国农村商业银行盈利能力的影响因素研究

发布时间：2018-04-10 00:35

本文选题：农村商业银行　切入点：盈利能力　出处：《湖南大学》2014年硕士论文

【摘要】：随着我国经济体制改革的步伐不断加快，，我国农村商业银行作为农村信用合作社改革的产物，近年来已经成为银行业当中不容忽视的一支队伍。在银行业不断深化改革的大背景下，怎样提高我国农村商业银行的盈利能力，已经成为银行业近年来的焦点问题。本文基于现有的国内外对商业银行盈利能力影响因素的研究，结合我国农村商业银行的具体情况，对我国农村商业银行盈利能力的影响因素进行了较深入的研究。首先，本文介绍了农村商业银行的发展历史和发展现状，同时分析了农村商业银行的优势与劣势。其次，阐述了商业银行盈利能力的内涵，并根据农村商业银行盈利能力的一般性和特殊性，分析了其盈利能力的影响因素：自有资本、资产质量、业务结构和民营资本占比。再次，依据相关理论分析，选取适当的财务指标，构建初始模型，对农村商业银行盈利能力进行多元线性回归分析；根据初始模型的拟合结果，运用逐步回归分析对模型进行修正，最终得出修正模型，并对实证结果进行分析。结果表明，权益资本占比、不良贷款拨备覆盖率和法人股民营股权占比与资产收益率成正相关关系，这表明自有资本规模、资产质量和民营资本的增加有助于农村商业银行盈利能力的提升；而非利息收入占比与资产收益率成负相关关系，这是我国农村商业银行的非利息收入业务发展力度不足所导致的。最后，根据论文最终研究结果，本文对农村商业银行盈利能力的提高提出了几点对策建议。
[Abstract]:With the quickening pace of economic system reform in our country, rural commercial banks, as the product of rural credit cooperatives reform, have become a team in the banking industry in recent years.Under the background of deepening the banking reform, how to improve the profitability of rural commercial banks has become the focus of the banking industry in recent years.Based on the existing domestic and foreign research on the factors affecting the profitability of commercial banks, combined with the specific situation of rural commercial banks in China, this paper makes a deep study on the factors affecting the profitability of rural commercial banks in China.Firstly, this paper introduces the development history and present situation of rural commercial banks, and analyzes the advantages and disadvantages of rural commercial banks.Secondly, the connotation of commercial banks' profitability is expounded, and the influencing factors of rural commercial banks' profitability are analyzed according to the generality and particularity of rural commercial banks' profitability: ownership capital, asset quality, business structure and the proportion of private capital.Thirdly, according to the relevant theoretical analysis, select appropriate financial indicators, build the initial model, the profitability of rural commercial banks for multiple linear regression analysis; according to the initial model fitting results,The modified model is obtained by stepwise regression analysis, and the empirical results are analyzed.The results show that the proportion of equity capital, the coverage of non-performing loan provisions and the proportion of private equity in corporate stock are positively correlated with the return on assets, which indicates the scale of private capital.The increase of asset quality and private capital contributes to the improvement of profitability of rural commercial banks, while the proportion of non-interest income is negatively related to the return on assets.This is caused by the insufficient development of non-interest income business of rural commercial banks in China.Finally, according to the final research results, this paper puts forward some countermeasures and suggestions to improve the profitability of rural commercial banks.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.35;F830.42

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