徽商银行盈利能力及影响因素研究

发布时间：2018-05-19 00:28

本文选题：徽商银行 + 盈利能力　；参考：《安徽财经大学》2015年硕士论文

【摘要】：盈利能力是商业银行赖以生存的关键因素,也是衡量一家银行竞争力强弱的重要指标。只有盈利能力不断提升,才能获得可持续的发展,在激烈的同业竞争立于不败之地。在当前经济和金融环境复杂多变情况下,宏观经济下行带来的有效信贷需求不足、企业信用风险的加速暴露、利率市场化带来的利差收窄、网络金融和金融脱媒对银行业务的分流效应,都在蚕食着商业银行的业务和收入来源,对经营利润造成了巨大的冲击。商业银行要确保盈利能力的持续提升面临着重重困难,徽商银行作为区域性城商行,面临的压力更大,因此分析其盈利现状、对影响其盈利能力的因素展开分析,找出盈利面临的问题并采取有针对性和可行性的措施,对于提升徽商银行的盈利能力有着重要的现实意义。本文选取了徽商银行2012-2014年3年的财务数据,基于杜邦分析体系,运用分解分析法对影响其盈利能力的指标进行分析,并对影响盈利能力的各项因素展开实证研究,得出结论,与国内银行业普遍情况一样,徽商银行的资产收益率连年下降,利润增速放缓;影响徽商银行盈利能力的主要指标是有息资产利息收益率、有息负债的利息支付率、净非利息经营收益率和净非经营收益率,主要影响因素包括存贷款利差收入、中间业务收入、投资收益、管理费用等。徽商银行的利润最主要来源是净利息收入,尽管投资收益和中间业务收入连年增加,但过于依靠存贷款利差的收入格局未得到根本改变。目前,徽商银行面临着收入来源单一化、不良贷款持续增加、贷款收益下降、存款成本上升的不利局面,针对这些情况,文章提出大力发展中间业务、提高贷款收益率、降低存款付息率、优化投资结构、加大不良贷款处置力度等措施和建议,以期从上述方面提升徽商银行的盈利能力。
[Abstract]:Profitability is the key factor for commercial banks to survive, and it is also an important index to measure the competitiveness of a bank. Only by increasing profitability can we achieve sustainable development and remain invincible in the fierce competition among the same industry. In the current complex and changeable economic and financial environment, the macroeconomic downturn brings insufficient effective credit demand, the accelerated exposure of enterprise credit risks, and the narrowing of interest rate spreads brought about by marketization of interest rates. The streaming effect of network finance and financial disintermediation on banking business is encroaching on the business and revenue source of commercial banks, which has caused a huge impact on the operating profit. Commercial banks face many difficulties to ensure the continuous improvement of profitability. Huizhou Commercial Bank, as a regional city commercial bank, faces more pressure. Therefore, it analyzes its current profit situation and analyzes the factors that affect its profitability. It is of great practical significance to find out the problems faced with profit and take targeted and feasible measures to enhance the profitability of Huizhou Merchants Bank. This paper selects the financial data of Huizhou Merchants Bank from 2012-2014, based on the DuPont analysis system, analyzes the indexes that affect its profitability by using the decomposition analysis method, and carries out an empirical study on the factors that affect its profitability, and draws a conclusion. As is generally the case in the domestic banking sector, the return on assets of Huizhou Merchants Bank has declined year after year, and the growth rate of profits has slowed down. The main indicators that affect the profitability of Huizhou Commercial Bank are the interest rate on interest-bearing assets and the interest payment rate on interest-bearing liabilities. The net non-interest operating rate and the net non-operating rate of return mainly affect the income of deposit and loan interest margin, intermediate business income, investment income, management expenses and so on. The main source of profit of Huizhou Merchants Bank is net interest income. Although investment income and intermediate business income increase year after year, the income pattern of relying too much on deposit and loan spreads has not been fundamentally changed. At present, Huizhou Merchants Bank is faced with the unfavorable situation of single source of income, continuous increase of non-performing loans, decline of loan income and rise of deposit cost. In view of these situations, the article puts forward to develop intermediary business and raise loan yield. In order to improve the profitability of Huizhou Merchants Bank, it is necessary to reduce the interest rate of deposits, optimize the investment structure, and increase the disposal of non-performing loans and other measures and suggestions in order to improve the profitability of Huizhou Merchants Bank.
【学位授予单位】：安徽财经大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F830.42;F832.3

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