H银行盈利能力及影响因素研究

发布时间：2019-04-10 11:59

【摘要】：商业银行盈利能力的大小是保持银行可持续发展的一个决定性因素，提高盈利能力成为提升商业银行核心竞争力的重中之重。但随着宏观经济下行、利率市场化改革提速、资本约束机制的进一步加强、金融脱媒等新兴业务发展、市场竞争日益激烈以及监管规则趋严等一系列不利因素的影响，H银行保持利润持续稳定增长面临着重重困难。因此分析其盈利现状，找出制约其盈利水平持续稳定提升的因素，并采取相应的策略措施，，对于H银行充分挖掘自身潜力，尽力、尽快提高盈利能力，实现利润最大化具有重要的现实意义。本文在商业银行内部管理和企业竞争力理论基础上，利用H银行20092012年四年的财务数据，选取净利润、利润增长率、营业利润率、资产收益率、净利息收益率、非利息收入比和成本收入比七个指标，对H银行的盈利能力现状进行分析，从分析结果可以看出，H银行的盈利能力仍然有提升空间，特别是净利润、净利息收入、中间业务收入的增长率在逐年下降，可见盈利能力的提升面临着一定压力。通过对盈利能力现状的描述，本文进而对制约盈利能力提高的影响因素进行了规范分析，将影响因素概括为自身影响因素和外部环境影响因素。自身影响因素包括经营效率情况、资产质量的高低、创新能力的大小和风险控制能力四个方面，外部环境影响因素则包括宏观经济形势、监管政策的调整、利率市场化改革进程以及市场和同业的竞争。针对这些影响因素，文章从微观层面提出了加强成本管理、提高金融创新开发能力、强化风险管控能力、完善公司内部治理来提升银行盈利能力，从中观层面提出要促进银行间公平竞争、加强银行间合作，从宏观层面提出了要保证经济健康迅速发展、完善资本市场、健全监管和运行体系以及完善金融政策。
[Abstract]:The size of the profitability of commercial banks is a decisive factor to maintain the sustainable development of banks, and improving the profitability of commercial banks becomes the most important factor to enhance the core competitiveness of commercial banks. However, with the downside of macro-economy, the accelerated reform of interest rate marketization, the further strengthening of capital constraint mechanism, the development of emerging business such as financial disintermediation, the increasingly fierce competition in the market and the impact of a series of adverse factors, such as stricter regulatory rules, Bank H is facing difficulties in maintaining steady and sustained profit growth. Therefore, this paper analyzes the current situation of profit, finds out the factors that restrict the continuous and stable improvement of its profit level, and takes corresponding strategic measures to fully tap its potential for H bank and improve its profitability as soon as possible. The realization of profit maximization is of great practical significance. Based on the theory of internal management and enterprise competitiveness of commercial banks, this paper selects net profit, profit growth rate, operating profit rate, return on assets and net interest rate by using the financial data of H bank in 2009-2012. Non-interest income ratio and cost-to-income ratio are seven indicators to analyze the status quo of H Bank's profitability. It can be seen from the analysis results that H Bank's profitability still has room to improve, especially net profit and net interest income. The growth rate of intermediate business revenue is declining year by year, so we can see that the improvement of profitability is facing certain pressure. By describing the current situation of profitability, this paper makes a normative analysis of the influencing factors that restrict the improvement of profitability, and generalizes the influencing factors as self-influencing factors and external environmental influencing factors. Self-influencing factors include operating efficiency, asset quality, innovation capacity and risk control ability, while external environmental factors include macroeconomic situation, regulatory policy adjustment, and so on. Interest rate marketization reform process as well as the market and the competition between the industry. In view of these factors, the paper puts forward to strengthen the cost management, improve the financial innovation and development ability, strengthen the risk control ability, perfect the internal governance of the company to improve the profitability of the bank from the micro-level. From the view point of view, we should promote the fair competition among banks and strengthen the cooperation among banks. From the macro level, we should ensure the healthy and rapid development of the economy, perfect the capital market, perfect the supervision and operation system and perfect the financial policy.
【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】：F832.33

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