利率市场化背景下城商行经营分析——基于50家城商行的考察

发布时间：2018-08-04 15:46

【摘要】：本文基于国内50家城商行2009—2014年的财务数据,从资产负债结构、盈利特征、盈利能力、资产质量四个主要层面,分析利率市场化对城商行经营绩效的影响。从资产负债结构来看,城商行资金来源结构中存款的比重明显下降,而非存款负债比重上升,为匹配负债成本的刚性攀升,城商行资产配置风险偏好上升,贷款在总资产中的比重持续下降;从收入结构看,提升非息收入占比成为多数城商行的策略选择,但非息收入的增长短期内仍难以改变营业收入增幅下滑的趋势,城商行盈利能力明显下降;伴随资产及客户结构的调整,城商行信用风险也不断上升,资产质量下滑。国内城商行需强化实施客户聚焦战略,培育比较优势,加强资产负债及流动性精细化管理,提升成本效率管理、保持盈利能力。
[Abstract]:Based on the financial data from 2009-2014, this paper analyzes the impact of interest rate marketization on the operating performance of city commercial banks from four main aspects: the structure of assets and liabilities, the characteristics of profitability, the profitability and the quality of assets. In terms of the structure of assets and liabilities, the proportion of deposits in the capital source structure of City Commercial Bank has obviously decreased, while the proportion of non-deposit liabilities has increased. In order to match the rigidity of liability costs, the risk preference of asset allocation of CityCommercial Bank has increased. The proportion of loans in total assets has continued to decline; in terms of income structure, raising the proportion of non-interest income has become the strategic choice of most city commercial banks, but the growth of non-interest income will still be difficult to change the downward trend of business income growth in the short term. With the adjustment of assets and customer structure, the credit risk of city commercial bank is also rising, and the quality of assets is declining. The domestic city commercial banks need to strengthen the implementation of customer focus strategy, cultivate comparative advantage, strengthen the fine management of assets, liabilities and liquidity, improve cost efficiency management, and maintain profitability.
【作者单位】：福建泉州银行;
【分类号】：F832.33

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