中国民生银行盈利能力分析

发布时间：2018-02-06 07:02

本文关键词： 银行盈利能力盈利指标盈利分解分析法　出处：《新疆财经大学》2015年硕士论文　论文类型：学位论文

【摘要】：银行业在我国经历了十多年的快速发展,取得了不错的成绩,尽管如今世界经济放缓,我国的银行业却依然保持高速增长,银行利润、规模、整体实力都在不断地增强。但是我们应该可以看到在利率市场化历程中,我国商业银行的传统的盈利方式势必受到严重的冲击,商业银行依靠高资本消耗模式将难以在利差收窄的情况下得到可持续发展,商业银行转型势不可挡,而随着我国金融改革的不断深化,传统的中间业务收入也将面临进一步调整,如何在这种激烈竞争的环境中生存发展是民生银行急需探索和解决的问题。通过这些年的数据变化可以看出,民生银行的净利润增长率是呈现下降趋势,原因有以下几点,第一是整个宏观经济的影响,当前国际经济不景气,整体经济增速放缓,银行盈利受到影响;第二是利率市场化的结果,利差的缩小给银行盈利带来冲击;第三是国内经济结构的调整,这也是民生银行盈利放缓的原因。目前学者们普遍认为财务方面的指标是商业银行鉴定自身盈利能力的重要标准,使用财务类指标进行评价是对银行能力评估的有效手段。本文选取中国民生银行的盈利模式为研究对象的情况下,对商业银行的盈利模式进行深入分析,并提出了对中国民生银行的盈利相应的建议,从而找出影响中国民生银行指标的相关因素,同时我们将根据民生银行实际情况将其与其他商业银行的相关指标进行对比,以及分析在外资银行逐渐进入我国的环境下,民生银行所带来的各种压力,在竞争中找到提高民生银行盈利的办法。
[Abstract]:The banking industry has experienced a rapid development in China for more than a decade, and has made good achievements. Although the world economy is slowing down, the banking industry of our country still maintains a rapid growth, bank profits and scale. The overall strength is constantly increasing. But we should see that in the course of interest rate marketization, the traditional profitability of commercial banks in China is bound to be seriously impacted. Commercial banks rely on high capital consumption model will be difficult to narrow the interest rate under the circumstances of sustainable development, commercial banks are unstoppable transformation, and with the deepening of financial reform in China. Traditional intermediate business revenue will also face further adjustment, how to survive and develop in this fierce competition environment is the people's livelihood bank urgent to explore and solve the problem. Through these years of data changes can be seen. The net profit growth rate of Minsheng Bank is showing a downward trend, the reasons are as follows: first, the impact of the entire macroeconomic, the current international economic recession, the overall economic growth rate slowed down, bank earnings affected; The second is the result of interest rate marketization, the reduction of interest rate difference to the bank profit impact; The third is the adjustment of the domestic economic structure, which is also the reason for the profit slowdown of Minsheng Bank. At present, scholars generally think that the financial indicators are the important criteria for commercial banks to evaluate their profitability. The use of financial indicators to evaluate the banking capacity is an effective means. This paper selects the profit model of China Minsheng Bank as the research object, and deeply analyzes the profit model of commercial banks. And put forward the corresponding suggestions to the profit of China Minsheng Bank, so as to find out the relevant factors that affect the index of China Minsheng Bank. At the same time, we will compare Minsheng Bank with other commercial banks according to the actual situation, and analyze the various pressures brought by Minsheng Bank under the circumstances of foreign banks gradually entering our country. In the competition to find ways to improve the profit of Minsheng Bank.
【学位授予单位】：新疆财经大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.33

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