四大国有商业银行现有业务构成及盈利能力变化趋势的财务分析
发布时间：2018-11-09 07:17
【摘要】：银行作为国民储蓄与社会生产消费的媒介,其行业兴衰不仅预示着国家经济的起伏,更对后者的发展起着极为重要的推动作用。我国商业银行现在正面临着利率市场化进程和互联网金融兴起的双重考验,四大国有商业银行实现盈利能力持续增长面临着巨大困难。 论文从四大国有商业银行的现有业务构成入手分析。选取了美国银行、摩根大通银行、汇丰银行、德意志银行、三菱东京日联银行作为境外大型商业银行代表,分析其业务构成并与四大国有商业银行进行比较。 然后对四大国有商业银行的利润结构及盈利能力变化趋势进行分析,得出结论：存贷款业务贡献占总收入比重十分高,同时与其相关联的业务也贡献了较多利润,而其他业务相对贡献占总收入比重较小。而后分析了未来影响四大国有商业银行盈利能力的因素,主要包括政策因素、竞争因素和成本因素,如果四大国有商业银行保持现有业务结构不变,则其盈利能力肯定会降低。 最后是探讨如何通过业务调整与管理创新来实现四大国有商业银行财务指标的持续改善,方法措施主要可以归结为以下三点：丰富中间业务合理调整业务结构,开展管理创新降低运营成本,提高服务质量及效率。
[Abstract]:As the medium of national savings and social production and consumption, the rise and fall of banking industry not only foreshadow the ups and downs of national economy, but also play an extremely important role in promoting the development of the latter. China's commercial banks are now facing the double test of interest rate marketization process and the rise of Internet finance. The four state-owned commercial banks are faced with great difficulties in realizing the sustained growth of profitability. This paper starts with the analysis of the existing business structure of the four major state-owned commercial banks. Bank of America, JPMorgan Chase Bank, HSBC Bank, Deutsche Bank and Mitsubishi Tokyo Japan Union Bank are selected as representatives of large foreign commercial banks to analyze their business composition and compare them with the four major state-owned commercial banks. Then it analyzes the trend of profit structure and profitability of the four state-owned commercial banks, and concludes that the contribution of deposit and loan business to total income is very high, and the related business also contributes a lot of profits. And other business relative contribution accounts for gross income proportion is smaller. Then it analyzes the factors that affect the profitability of the four state-owned commercial banks in the future, including policy factors, competition factors and cost factors. If the four state-owned commercial banks keep their existing business structure unchanged, their profitability will definitely be reduced. Finally, it discusses how to realize the continuous improvement of the financial index of the four state-owned commercial banks through business adjustment and management innovation. The methods and measures can be summarized as follows: enriching the intermediate business to adjust the business structure rationally. Develop management innovation to reduce operating costs and improve service quality and efficiency.
【学位授予单位】：财政部财政科学研究所
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2
本文编号：2319727
[Abstract]:As the medium of national savings and social production and consumption, the rise and fall of banking industry not only foreshadow the ups and downs of national economy, but also play an extremely important role in promoting the development of the latter. China's commercial banks are now facing the double test of interest rate marketization process and the rise of Internet finance. The four state-owned commercial banks are faced with great difficulties in realizing the sustained growth of profitability. This paper starts with the analysis of the existing business structure of the four major state-owned commercial banks. Bank of America, JPMorgan Chase Bank, HSBC Bank, Deutsche Bank and Mitsubishi Tokyo Japan Union Bank are selected as representatives of large foreign commercial banks to analyze their business composition and compare them with the four major state-owned commercial banks. Then it analyzes the trend of profit structure and profitability of the four state-owned commercial banks, and concludes that the contribution of deposit and loan business to total income is very high, and the related business also contributes a lot of profits. And other business relative contribution accounts for gross income proportion is smaller. Then it analyzes the factors that affect the profitability of the four state-owned commercial banks in the future, including policy factors, competition factors and cost factors. If the four state-owned commercial banks keep their existing business structure unchanged, their profitability will definitely be reduced. Finally, it discusses how to realize the continuous improvement of the financial index of the four state-owned commercial banks through business adjustment and management innovation. The methods and measures can be summarized as follows: enriching the intermediate business to adjust the business structure rationally. Develop management innovation to reduce operating costs and improve service quality and efficiency.
【学位授予单位】：财政部财政科学研究所
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2
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