Do Internal Factors Really Affect Bank Performance?Evidence

发布时间：2021-07-16 19:21

　　在现有的文献中,对于美国两类银行:经营良好的银行和经营不善以致破产的银行的关键内在特征已经有了较为详尽的研究说明,这对于两类银行的有效风险管理防控都是至关重要的。最近的分析数据也揭示了银行业在经济上行和经济下行时期的总体情况。研究人员还完成了一系列相关的文献综述部分,包括各种相关理论,可以解释银行的净资产、利润率和美国银行良好经营以及经营不善以致破产的关键因素。考虑到研究的稳定性和可持续性,本文将研究的重点放在决定银行盈利能力的内部因素上。构建线性回归模型,利用E-views软件,首先对变量进行了描述性统计分析,随后解决了多重共线性以及异方差的问题,通过对美国两类银行的比较研究,我们发现:银行规模对银行盈利能力的影响不显著,拥有良好资本的银行也有可能走向破产。美国银行存款基金的可用性不强,导致其盈利能力较弱,同时,美国银行的信用风险管理存在不足,盈利能力的欠缺最终会导致破产。 

【文章来源】：东北财经大学辽宁省

【文章页数】：74 页

【学位级别】：硕士

【文章目录】：
Dedication
acknowledgements
abstract
摘要
Abbreviations
Chapter 1 Introduction
    1.1 Background of the Study
    1.2 Research Problem
    1.3 Methodology
    1.4 Objectives of the study
    1.5 The significance of the study
    1.6 Organization of the Study
Chapter 2 Evolution of U.S Banking System
    2.1 A Brief History of U.S.banking
    2.2 A history of bank failures in the United States
Chapter 3 Literature Review
    3.1 Theories on the profitability of the bank
        3.1.1 The theory of efficiencyPareto Efficiency
        3.1.2 Market-power theories
    3.2 Previous literature
Chapter 4 Methodology
    4.1 Research Approach
    4.2 Design of the study
    4.3 Sampling and sample size
    4.4 Depended and Independent variables
        4.4.1 Dependent variable
        4.4.2 Independent Variables
    4.5 Data Analysis methods
Chapter 5 Empirical Study
    5.1 Analysis of sound banks
        5.1.1 Descriptive statistics
        5.1.2 Correlation
        5.1.3 Heteroskedasticity Test
        5.1.4 Regression Analysis
    5.2 Analysis of failed banks
        5.2.1 Descriptive analysis
        5.2.2 Correlation
        5.2.3 Heteroskedasticity test
        5.2.4 Regression analysis
    5.3 Comparison between sound and failed bank profitability
Chapter 6 Summary & Conclusion
    6.1 Summary
    6.2 Conclusion
    6.3 Future scope of the study
    6.4 Limitation of the study
References
Appendix



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