经济“新常态”下南京银行财务竞争力相对提升案例分析

发布时间：2018-03-29 08:51

本文选题：经济新常态　切入点：财务竞争力　出处：《深圳大学》2017年硕士论文

【摘要】：近20年来,中国经济一直保持着高速发展的状态,随着这些年这一状态的结束,中国经济进入历史性的新常态时期。在经济新常态的形势下,经济增长速度由高速增长转为中高速增长,经济增长方式由粗放型增长方式向集约型增长方式转变,经济增长结构从扩张增量向存量调整增量做优两种方式并存转换,经济增长的动力从传统增长点向新增长点转换。经济新常态时期正是经济增长速度换档期、经济结构调整阵痛期、前期刺激政策消化期“三期叠加”的时期。在这个时期内商业银行利润增速大幅下降,营业收入增速也在下降,不良贷款率大幅上升,规模扩张、业务推广方面受到了很大的冲击。从财务的角度来看,商业银行的盈利能力、发展能力、安全性、核心资本充足率等在这段时期相对减弱了很多。纵观当前已经上市的商业银行,南京银行在财务竞争力方面表现优秀,在近两年营业收入平均增速接近40%,利润率也大幅领先同业,不良贷款率在上市商业银行里面最低。南京银行在经历了经济转换初期的经营阵痛之后,快速的适应了经济进入新常态后的变化,2016年南京银行在包括利润率、成本收入比、营业收入等财务指标上的表现上已经回到甚至超越经济新常态前,且其不良贷款率一直维持在1%以下,在近几年商业银行业不太景气,竞争力大幅下降的时期,南京银行如何快速适应,提升竞争力是值得研究的。本文从财务竞争力的角度出发,通过将现阶段南京银行与整体商业银行业、三大城商行、经济新常态前后南京银行的财务指标进行对比分析,来寻找南京银行在各个阶段发展战略策略对其财务竞争力提升的影响,以此给其他商业银行快速适应经济新常态的变化提供参考,本文研究发现、南京银行主要是在业务模式、股权债权融资、拓宽业务领域增强业务的多样化、丰富资金来源渠道、优化业务结构和控制资产质量上采取了一系列的措施,使得南京银行快速重回到高速发展的轨道。
[Abstract]:Over the past 20 years, China's economy has maintained a state of rapid development. With the end of this state in recent years, China's economy has entered a historic new normal period. The speed of economic growth has changed from high-speed to medium-high speed, the mode of economic growth has changed from extensive growth to intensive growth, and the structure of economic growth has been transformed from expansion increment to stock adjustment increment. The motive force of economic growth changes from the traditional growth point to the new growth point. The economic new normal period is the period of economic growth speed shift and the painful period of economic structure adjustment. The period of "three phases superposition" in the period of pre-stimulus policy digesting. During this period, the growth rate of commercial banks' profits has dropped sharply, the growth rate of operating income has also been decreasing, the ratio of non-performing loans has increased substantially, and the scale of non-performing loans has expanded. From a financial point of view, commercial banks' profitability, development capacity, security, The core capital adequacy ratio and so on have been relatively weakened during this period. Looking at the commercial banks that have been listed at present, Nanjing Bank has performed well in terms of financial competitiveness. In the last two years, the average growth rate of operating income has been close to 40%, the profit margin has also been substantially ahead of the same industry, and the non-performing loan ratio is the lowest among the listed commercial banks. Quickly adapted to the changes in the economy after entering the new normal, the performance of Nanjing Bank in 2016 in terms of financial indicators, including profit margin, cost-income ratio, operating income, and so on, has returned to, or even surpassed, the new normal of the economy. Moreover, its non-performing loan ratio has been kept below 1%. In recent years, when the commercial banking industry is not very prosperous and its competitiveness has declined substantially, how can the Nanjing Bank adapt quickly? From the point of view of financial competitiveness, this paper makes a comparative analysis of the financial indicators of the Bank of Nanjing before and after the new normal state of the economy with the commercial banking industry as a whole, the commercial banks of the three major cities, and the banks of the three major cities, before and after the new normal state of the economy. To find out the impact of the development strategy of Nanjing Bank on the improvement of its financial competitiveness, and to provide reference for other commercial banks to adapt to the changes of the new normal economy. This paper finds that Nanjing Bank is mainly in the business model. Equity creditor's rights financing, widening the business field to enhance the diversification of business, enrich the sources of funds, optimize the business structure and control the quality of assets has taken a series of measures, so that Nanjing Bank quickly returned to the track of high-speed development.
【学位授予单位】：深圳大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4

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