我国商业银行盈利能力及影响因素研究

发布时间：2018-01-01 03:24

本文关键词：我国商业银行盈利能力及影响因素研究　出处：《浙江大学》2015年硕士论文　论文类型：学位论文

【摘要】：商业银行盈利能力的强弱直接关系其自身的生存与发展。盈利水平的提高不仅能够增强银行信誉,增强银行的资本实力,吸引更多的客户,与此同时还可以增强银行自身抵御风险的能力,提高银行的竞争力。商业银行盈利模式一直是学者们重点研究的课题。伴随着中国银行业飞速的发展,商业银行经营管理中关于盈利模式的矛盾和问题日益凸显。一些学者开始意识到中国商业银行目前的利差主导型盈利模式已经越来越不能适应不断变化的银行业经营环境。因此,基于对银行盈利模式的研究和分析,对商业银行转变经营思路,发展多元化盈利模式和应对日益激烈的银行业和金融市场竞争都具有很强的理论和现实意义。论文在充分借鉴国内外研究成果的基础上,采用定量与定性相结合、理论与实证相结合的方法,在进行定性分析的基础上,运用面板数据模型对影响我国上市商业银行盈利能力的因素进行实证研究,从内、外部因素中分离出对上市商业银行盈利能力产生影响的因素。通过研究,得出了经营效率对我国商业银行的效率有显著的影响、资本充足率与银行的盈利能力有显著的正向相关、银行的盈利能力与经济周期有显著的相关性、银行的盈利能力与市场集中度有关等结论,并且基于定性分析和定量分析的结果提出相应的政策建议。
[Abstract]:The profitability of commercial banks is directly related to their own survival and development. The improvement of profit level can not only enhance the credibility of banks, enhance the capital strength of banks, attract more customers. At the same time, it can also enhance the ability of the banks to resist risks and improve the competitiveness of the banks. The profit model of commercial banks has always been the focus of research by scholars. With the rapid development of Chinese banking industry. The contradictions and problems about the profit model in the management of commercial banks are becoming more and more obvious. Some scholars have begun to realize that the current profit mode of Chinese commercial banks is becoming more and more unable to adapt to the changing banking industry. Business environment. So... Based on the research and analysis of bank profit model, it is of great theoretical and practical significance for commercial banks to change their business thinking, to develop diversified profit models and to cope with the increasingly fierce competition in banking and financial markets. Based on the domestic and foreign research results, the paper adopts the method of combining quantitative and qualitative, theoretical and empirical, on the basis of qualitative analysis. Using panel data model to study the factors that affect the profitability of listed commercial banks in China. The factors that affect the profitability of listed commercial banks are separated from internal and external factors. It is concluded that the operating efficiency has a significant impact on the efficiency of commercial banks in China, the capital adequacy ratio has a significant positive correlation with the profitability of the banks, and the profitability of the banks has a significant correlation with the economic cycle. The profitability of banks is related to market concentration, and based on the results of qualitative analysis and quantitative analysis, the corresponding policy recommendations are put forward.
【学位授予单位】：浙江大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.33

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