我国城市商业银行盈利能力的评价与提升对策

发布时间：2018-10-12 16:39

【摘要】：城市商业银行是经国务院批准,在部分城市信用社的基础上组建起来的地方性股份制商业银行。经过十余年的发展,城市商业银行已成为我国金融市场中一股不可或缺的重要力量。立足城市商业银行的发展现状和存在问题,对影响城市商业银行盈利能力的内外部因素作了定性分析。在此基础上,以我国17家主要城市商业银行为样本,从影响盈利能力的内部因素出发,选取了6个评价城市商业银行盈利能力的指标,进行定量分析。采用因子分析得出银行的资本状况、资产规模和营运效率是影响城市商业银行盈利能力的主要因素,收入结构对城市商业银行盈利能力的影响作用有限。采用K-均值聚类分析,得出城市商业银行盈利能力具有明显的地域性特征,东部沿海地区城市商业银行的盈利能力普遍高于内陆中西部地区和东北地区。结合因子分析和聚类分析的结果,提出提升城市商业银行盈利能力的对策建议。
[Abstract]:City commercial bank is a local joint-stock commercial bank established on the basis of some urban credit cooperatives approved by the State Council. After more than ten years' development, urban commercial banks have become an indispensable and important force in our financial market. Based on the present situation and existing problems of urban commercial banks, the internal and external factors affecting the profitability of urban commercial banks are qualitatively analyzed. On this basis, taking 17 commercial banks in major cities of China as samples, this paper selects 6 indexes to evaluate the profitability of urban commercial banks from the internal factors that affect their profitability, and carries out quantitative analysis. It is concluded by factor analysis that the capital condition, asset size and operating efficiency of banks are the main factors affecting the profitability of urban commercial banks, and the effect of income structure on the profitability of urban commercial banks is limited. By using K-means clustering analysis, it is concluded that the profitability of urban commercial banks has obvious regional characteristics, and the profitability of urban commercial banks in the eastern coastal areas is generally higher than that in inland central and western regions and Northeast China. Combined with the results of factor analysis and cluster analysis, the paper puts forward some countermeasures and suggestions to improve the profitability of urban commercial banks.
【学位授予单位】：黑龙江八一农垦大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.33

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