我国城市商业银行竞争力的能力要素与比较研究
发布时间：2019-04-10 16:20
【摘要】：城市商业银行主要通过公司治理、组织架构、管理模式、风险控制机制、信息科技发展等方面的互动、整合和提升,物化为风险管控能力、盈利创造能力和持续成长能力,这三项能力构成了核心竞争力的要素。基于我国62家城市商业银行2009-2016年的财务数据分析,从风险管控能力来看,城市商业银行的不良贷款率低于行业平均水平,资产质量保持较高水平;贷款损失准备计提相对充足,风险抵补能力高于银行业平均水平;但是资本充足率整体呈现下滑态势,未来资本补充压力较大。从盈利创造能力来看,资产与资本利润率逐年下滑,盈利创造能力有下降趋势;成本收入比有所上升,成本压缩空间比较有限。从持续成长能力来看,资产规模保持良好的成长性,但后续增长压力较大;盈利成长性高于银行业平均水平,后发优势较为明显;非息收入占比持续提高,收入结构有所优化。为此,城市商业银行要着力加强资本管理,完善资本补充机制,全面推动管理和业务转型,强化公司治理和科技创新,有效提升核心竞争力。
[Abstract]:City commercial banks mainly through corporate governance, organizational structure, management model, risk control mechanism, information technology development and other aspects of interaction, integration and promotion, materialized into risk control capacity, profitability creation ability and sustainable growth capacity. These three competencies constitute the key elements of core competence. Based on the financial data analysis of 62 urban commercial banks in China from 2009 to 2016, the non-performing loan rate of urban commercial banks is lower than the industry average, and the quality of assets remains high. Loan loss provision is relatively adequate and the ability to offset risks is higher than the banking average; however, the overall capital adequacy ratio is declining, with greater pressure on future capital replenishment. In terms of profit creation ability, the profit margin of assets and capital decreases year by year, and the profit creation ability decreases; the ratio of cost to income increases, and the space for cost compression is relatively limited. From the point of view of sustainable growth ability, the asset scale keeps good growth, but the subsequent growth pressure is greater; the profit growth is higher than the average level of the banking industry, and the advantage of late development is obvious; the non-interest income ratio continues to increase, and the income structure is optimized. Therefore, city commercial banks should strengthen capital management, perfect capital supplement mechanism, promote management and business transformation in an all-round way, strengthen corporate governance and scientific and technological innovation, and effectively promote core competitiveness.
【作者单位】： 泉州银行;
【分类号】：F832.33
[Abstract]:City commercial banks mainly through corporate governance, organizational structure, management model, risk control mechanism, information technology development and other aspects of interaction, integration and promotion, materialized into risk control capacity, profitability creation ability and sustainable growth capacity. These three competencies constitute the key elements of core competence. Based on the financial data analysis of 62 urban commercial banks in China from 2009 to 2016, the non-performing loan rate of urban commercial banks is lower than the industry average, and the quality of assets remains high. Loan loss provision is relatively adequate and the ability to offset risks is higher than the banking average; however, the overall capital adequacy ratio is declining, with greater pressure on future capital replenishment. In terms of profit creation ability, the profit margin of assets and capital decreases year by year, and the profit creation ability decreases; the ratio of cost to income increases, and the space for cost compression is relatively limited. From the point of view of sustainable growth ability, the asset scale keeps good growth, but the subsequent growth pressure is greater; the profit growth is higher than the average level of the banking industry, and the advantage of late development is obvious; the non-interest income ratio continues to increase, and the income structure is optimized. Therefore, city commercial banks should strengthen capital management, perfect capital supplement mechanism, promote management and business transformation in an all-round way, strengthen corporate governance and scientific and technological innovation, and effectively promote core competitiveness.
【作者单位】： 泉州银行;
【分类号】：F832.33
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