我国商业银行盈利能力及影响因素分析

发布时间：2018-02-20 19:42

本文关键词： 商业银行盈利能力影响因素　出处：《山东大学》2014年硕士论文　论文类型：学位论文

【摘要】：追逐不断增长的市值和长期稳定的盈利是商业银行的目标,也是根本上衡量一家商业银行经营管理能力的基本标准。随着区域经济一体化和全球发展全球化,全球金融业进入新的战略转型期,各大商业银行面临严峻的挑战。从2005年底起,我国金融业对国外外资银行已经全面开放,国内同行业竞争不断加剧的同时,国内银行与外资银行的竞争也愈演愈烈。正因为如此,我国商业银行需要大力提升自我的经营管理能力和盈利能力,在国际金融业激烈竞争中立于不败之地,并实现不间断长期可持续发展。本文本着这样的立意一开始就选取了2005年-2012年商业银行经营管理相关数据为统计分析样本,选取其中的数据进行精准分析,采用数据多元回归统计分析法对我国商业银行的盈利能力分析评价。在此中找出提升我国商业银行盈利能力的途径,从影响因素中找出提高其中的盈利能力的建议与对策,对提高我国商业银行的盈利能力水平,增强商业银行的可实现价值和现实竞争力提供帮助。本文主要针对最近五到八年来我国基本国情及我国商业银行现实情况,对影响盈利能力的重要因素进行了理论规范性分析和实证性分析,通过本文客观全面分析研究,为我国商业银行下一步逐渐提高其自身盈利水平指出了原因。在做具体统计分析的时候,对各大商业银行的相关数据进行研究,对我国商业银行探索适合其自身的发展道路具有一定的重要意义。
[Abstract]:The pursuit of growing market value and long-term stable profits is the goal of commercial banks and a fundamental measure of a commercial bank's ability to operate and manage. With regional economic integration and globalization of global development, As the global financial industry enters a new strategic transition period, the major commercial banks are faced with severe challenges. Since end of 2005, China's financial industry has been fully open to foreign foreign banks, and the domestic competition in the same industry has been intensified. The competition between domestic banks and foreign banks is also becoming increasingly fierce. Because of this, Chinese commercial banks need to vigorously enhance their own management and profitability and remain invincible in the fierce competition in the international financial industry. And realize continuous long-term sustainable development. In this paper, from the beginning of this idea, selected commercial bank management related data from 2005 to 2012 as the statistical analysis sample, select the data for accurate analysis. This paper analyzes and evaluates the profitability of commercial banks in China by using the statistical analysis method of multivariate regression, finds out the ways to improve the profitability of commercial banks in China, and finds out the suggestions and countermeasures to improve the profitability of commercial banks from the influencing factors. It will help to improve the profitability of commercial banks and enhance the realizable value and realistic competitiveness of commercial banks. Aiming at the basic conditions of our country and the reality of commercial banks in recent five to eight years, this paper makes a theoretical normative analysis and an empirical analysis on the important factors that affect the profitability of commercial banks. It points out the reasons for our country's commercial banks to gradually improve their own profit level in the next step. When we do the specific statistical analysis, we study the relevant data of the major commercial banks. It is of great significance for China's commercial banks to explore their own development path.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33;F830.42

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