基于因子分析的我国中小商业银行盈利能力研究
发布时间：2019-01-03 09:40
【摘要】：近年来，我国中小商业银行发展迅速，已经成为我国银行体系中不可缺少的重要组成部分。盈利能力的研究，对于提高中小商业银行的盈利水平，实现其可持续发展有着重要的意义。 本文借鉴了国内外的研究成果，在相关理论的基础上，从微观、行业与宏观三个层次对影响商业银行盈利能力的因素进行了理论分析。依据理论分析，又从盈利环境、盈利基础、盈利方式和盈利表现四个方面分析了我国中小商业银行的盈利现状。 在综合影响因素分析与盈利现状的基础上，文章构建出评价我国中小商业银行盈利能力的指标体系，并运用因子分析模型进行了实证检验。结果发现：我国中小商业银行的盈利能力有了很大变化。为探究影响我国中小商业银行盈利能力变化的原因，文章从横向与纵向的角度对实证结果进行比较分析，，得出主要结论，即我国中小商业银行，尤其是城市商业银行，盈利水平的高速提升很大程度上是宏观环境影响的结果。最后，根据结论，提出提高我国中小商业银行盈利能力的对策建议。
[Abstract]:In recent years, small and medium-sized commercial banks in China have developed rapidly and become an indispensable part of our banking system. The study of profitability plays an important role in improving the profitability of medium and small commercial banks and realizing their sustainable development. This paper draws lessons from the domestic and foreign research results, on the basis of relevant theories, from the micro, industry and macro three levels to analyze the factors that affect the profitability of commercial banks. According to the theoretical analysis, this paper analyzes the current situation of the profit of the small and medium-sized commercial banks in our country from four aspects: the profit environment, the profit basis, the profit mode and the profit performance. On the basis of synthesizing the analysis of influencing factors and the present situation of profit, this paper constructs an index system to evaluate the profitability of small and medium-sized commercial banks in China, and makes an empirical test with factor analysis model. The results show that the profitability of small and medium-sized commercial banks has changed a lot. In order to explore the reasons that affect the profitability of small and medium-sized commercial banks in China, the paper makes a comparative analysis of the empirical results from the horizontal and vertical angles, and draws the main conclusions, that is, the small and medium-sized commercial banks, especially the urban commercial banks, in our country. The high-speed increase in profit level is largely the result of macro-environmental impact. Finally, according to the conclusion, the paper puts forward countermeasures and suggestions to improve the profitability of small and medium-sized commercial banks in China.
【学位授予单位】：苏州大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.33;F224
本文编号：2399206
[Abstract]:In recent years, small and medium-sized commercial banks in China have developed rapidly and become an indispensable part of our banking system. The study of profitability plays an important role in improving the profitability of medium and small commercial banks and realizing their sustainable development. This paper draws lessons from the domestic and foreign research results, on the basis of relevant theories, from the micro, industry and macro three levels to analyze the factors that affect the profitability of commercial banks. According to the theoretical analysis, this paper analyzes the current situation of the profit of the small and medium-sized commercial banks in our country from four aspects: the profit environment, the profit basis, the profit mode and the profit performance. On the basis of synthesizing the analysis of influencing factors and the present situation of profit, this paper constructs an index system to evaluate the profitability of small and medium-sized commercial banks in China, and makes an empirical test with factor analysis model. The results show that the profitability of small and medium-sized commercial banks has changed a lot. In order to explore the reasons that affect the profitability of small and medium-sized commercial banks in China, the paper makes a comparative analysis of the empirical results from the horizontal and vertical angles, and draws the main conclusions, that is, the small and medium-sized commercial banks, especially the urban commercial banks, in our country. The high-speed increase in profit level is largely the result of macro-environmental impact. Finally, according to the conclusion, the paper puts forward countermeasures and suggestions to improve the profitability of small and medium-sized commercial banks in China.
【学位授予单位】：苏州大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.33;F224
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本文编号：2399206
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