中外商业银行可持续盈利能力的比较研究
发布时间：2018-11-09 21:12
【摘要】：近几年来，我国商业银行盈利水平保持着持续高速增长的态势，中国商业银行这种非常态的盈利状态不得不引起我们的高度关注。我们不得不思考这种高速增长是否具有可持续性，现行的商业银行盈利模式、盈利能力是否具有可持续性以及其背后是否隐藏着风险。因此对于商业银行现行的盈利模式、可持续盈利能力的研究具有非常重要的现实意义。 本文首先对商业银行可持续盈利能力的内涵进行了界定，并对其进行了理论分析。接下来对我国商业银行的盈利模式现状进行了阐述，并与国际先进银行进行比较，发现了我国商业银行盈利模式存在的问题。 在实证研究部分，，本文选取了2008年一2012年的国内外19家商业银行的财务数据作为样本，构建出评价中外商业银行可持续盈利能力的指标体系，并运用因子分析模型进行了实证分析。结论表明：我国商业银行在盈利能力可持续性方面与国外银行还有较大差距，资本安全、资产质量和收入结构是持续盈利能力的主要影响因素。最后本文根据研究结论给出提高我国商业银行可持续盈利能力的相关政策性建议，即优化收入结构，发展银行中间业务；加强风险管理,提高银行资产质量和资本安全，并不断进行金融创新。
[Abstract]:In recent years, the profit level of Chinese commercial banks has maintained a sustained and high growth trend, and this abnormal state of profitability of Chinese commercial banks has to arouse our high attention. We have to think about whether this kind of rapid growth is sustainable, whether the current profit model of commercial banks is sustainable, whether profitability is sustainable and whether there are hidden risks behind it. Therefore, it is of great practical significance to study the sustainable profitability of commercial banks. In this paper, the connotation of sustainable profitability of commercial banks is defined, and its theoretical analysis is carried out. Then the paper expounds the current situation of the profit model of commercial banks in our country, and compares it with the international advanced banks, and finds out the problems existing in the profit mode of commercial banks in our country. In the part of empirical research, this paper selects the financial data of 19 commercial banks from 2008 to 2012 as a sample, and constructs an index system to evaluate the sustainable profitability of Chinese and foreign commercial banks. And use factor analysis model for empirical analysis. The conclusion shows that there is a big gap between China's commercial banks and foreign banks in the sustainability of profitability. Capital security, asset quality and income structure are the main influencing factors of sustainable profitability. Finally, according to the conclusion of the study, this paper gives the relevant policy recommendations to improve the sustainable profitability of commercial banks in China, that is, to optimize the income structure and develop the intermediate business of the banks; Strengthen risk management, improve bank asset quality and capital safety, and constantly carry out financial innovation.
【学位授予单位】：天津外国语大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33;F831;F830.42
[Abstract]:In recent years, the profit level of Chinese commercial banks has maintained a sustained and high growth trend, and this abnormal state of profitability of Chinese commercial banks has to arouse our high attention. We have to think about whether this kind of rapid growth is sustainable, whether the current profit model of commercial banks is sustainable, whether profitability is sustainable and whether there are hidden risks behind it. Therefore, it is of great practical significance to study the sustainable profitability of commercial banks. In this paper, the connotation of sustainable profitability of commercial banks is defined, and its theoretical analysis is carried out. Then the paper expounds the current situation of the profit model of commercial banks in our country, and compares it with the international advanced banks, and finds out the problems existing in the profit mode of commercial banks in our country. In the part of empirical research, this paper selects the financial data of 19 commercial banks from 2008 to 2012 as a sample, and constructs an index system to evaluate the sustainable profitability of Chinese and foreign commercial banks. And use factor analysis model for empirical analysis. The conclusion shows that there is a big gap between China's commercial banks and foreign banks in the sustainability of profitability. Capital security, asset quality and income structure are the main influencing factors of sustainable profitability. Finally, according to the conclusion of the study, this paper gives the relevant policy recommendations to improve the sustainable profitability of commercial banks in China, that is, to optimize the income structure and develop the intermediate business of the banks; Strengthen risk management, improve bank asset quality and capital safety, and constantly carry out financial innovation.
【学位授予单位】：天津外国语大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33;F831;F830.42
【共引文献】
相关期刊论文 前2条
1 岳华;张晓民;;“金砖国家”银行业合作发展在一条起跑线上吗——基于SBM-SFA效率模型的经验证据[J];北京联合大学学报(人文社会科学版);2014年04期
2 方先明;苏晓s
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