HS银行盈利能力分析及对策研究

发布时间：2018-02-21 08:38

本文关键词： 城市商业银行杜邦分析体系盈利能力　出处：《安徽大学》2017年硕士论文　论文类型：学位论文

【摘要】：城市商业银行作为中国银行业的特殊群体,随着中国金融事业的发展和中小企业的崛起,其规模保持着高速增长,逐渐发展成为我国金融体系的重要组成部分。金融脱媒、大数据时代的到来,我国商业银行开始面临史无前例的机遇和挑战,互联网金融的快速发展更是拉低了银行原有的利润空间,此时盈利能力是银行在行业竞争中得以生存的最基本保障。然而相较于大型商业银行,城市商业银行补充资本的能力很弱,融资成本较高,这种状况下,我们必须充分重视城市商业银行盈利能力所占的地位,客观准确地对城市商业银行盈利能力的现状实施评价。HS银行做为安徽省唯一一家城市商业银行,其发展受到了政府的极大重视,且其作为衡量区域性经济的发展水平具有一定的参考作用。本文通过案例分析的方法,将HS银行作为研究对象,以改良的杜邦分析体系模型分析HS银行的财务指标以及相关的盈利可持续性指标,并与其他四家城市商业银行的盈利水平进行对比,发现其存在的问题并提出对策。本文共五章:第一章为绪论,主要介绍本文的研究背景及研究意义,国内外相关研究文献综述,研究方法和研究内容及其研究创新。第二章为相关概念和理论基础,主要阐述盈利能力的概念、内涵,商业银行盈利能力的评价方法、评价指标,并对影响盈利能力的潜在因素进行了阐述。第三章为HS银行概况及盈利能力分析,介绍HS银行概况,对其盈利能力现状进行多角度的分析,并通过同业横向对比发现HS银行盈利能力存在的问题。第四章为提高HS银行盈利能力的相关对策建议,结合上章总结出的问题并针对HS银行自身经营特色,借鉴其他城市商业银行,提出相应的解决对策。第五章研究结论与展望。研究发现:HS银行创造利润的水平较为稳定,业务经营及管理水平较好,但还存在着诸如资本规模较小、中间业务的占比较低、贷款收益下行同时存款成本上行压力加大、不良贷款率的涨幅过大以及拨备覆盖率的水平较低等问题,这些问题制约了HS银行盈利能力的提升和持续发展。针对HS银行盈利能力存在的问题本文提出了增加资本筹资渠道、多角度地开发中间业务、提高贷款的定价水平并优化存款结构、加大风险防控力度、加大对不良资产的处置力度等等改进措施。本文的研究有助于投资者更清晰地了解HS银行盈利能力水平及与同业存在的差距,找出问题并对HS银行未来的发展提出针对性建议,同时对其他城市商业银行盈利能力的提高也有一定的借鉴意义。
[Abstract]:As a special group China Bank city commercial bank, with the development of Chinese financial industry and the rise of small and medium-sized enterprises, the scale maintained a rapid growth, has gradually become an important part of China's financial system. Financial disintermediation, the big data era, China's commercial banks began to face the opportunities and challenges There was no parallel in history., fast the development of Internet banking is pulled down the original bank profits, the profitability is the basic guarantee for the survival of the bank to the competition in the industry. However, compared to the large commercial banks, city commercial banks to replenish capital is weak, higher financing costs, this situation, we must pay full attention to the profitability of the commercial city the bank accounts for the position, objective and accurate status of the profitability of city commercial banks to implement evaluation of.HS bank as the only company in Anhui province city business Banks, its development has attracted great attention of the government, and as a measure of regional economic development level has certain reference. This article through case analysis method, the HS bank as the research object, taking the improved DuPont analysis system model analysis of financial indicators of HS bank and the related earnings sustainability index. And the other four city commercial banks profitability comparison, find the existing problems and puts forward countermeasures. This paper consists of five chapters: the first chapter is the introduction, mainly introduces the research background and research significance of this paper, domestic and international research literature review, research methods and research contents and research innovation. The second chapter is the related concept the connotation of the concept and theoretical basis, mainly expounds the profitability of the commercial banks' profitability evaluation method, evaluation index, and potential influencing factors of profitability were described. The third chapter is the analysis of the HS bank. The general situation and profitability, the Bank of HS, a multi angle analysis of the current situation of its profitability, and through the horizontal comparison found that the profitability of HS bank's problems. The fourth chapter is about the countermeasures to improve the profitability of HS bank's suggestions, and chapter summed up the problem according to the HS bank's operating characteristics, learn from other city commercial banks, and put forward the corresponding countermeasures. The fifth chapter is conclusion and prospect research. It is found that the HS bank profit level is relatively stable, business operation and management level is relatively good, but there are still such as smaller capital scale, intermediate business accounted for relatively low loan at the same time deposit costs upward earnings downward pressure, non-performing loan rate increase is too large and the provision coverage level is low, these problems restrict the profitability of banks and improve HS Sustainable development. Aiming at the existing problems of the profitability of HS bank this paper proposes to increase capital financing channels, multi angle to the development of intermediary business, improve the loan pricing level and optimize the deposit structure, strengthen risk prevention and control efforts, to increase efforts to dispose of non-performing assets and so on improvement measures. This study will help investors to more clearly understand the gap HS bank profitability and the level of trade exists, find out the problems and the development of HS bank in the future and puts forward suggestion for other city commercial banks to improve profitability also has certain reference significance.

【学位授予单位】：安徽大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.33

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