本文選題：銀行盈利模式　切入點(diǎn)：盈利能力　出處：《西北大學(xué)》2013年碩士論文

【摘要】：全球金融市場(chǎng)化趨勢(shì)越來越明顯,利率市場(chǎng)化趨勢(shì)使銀行的盈利空間逐漸縮小,依靠傳統(tǒng)的利差收入主導(dǎo)型經(jīng)營模式已經(jīng)越來越不能滿足銀行盈利的可持續(xù)發(fā)展。加上全球金融市場(chǎng)競(jìng)爭(zhēng)越發(fā)激烈,隨著我國金融業(yè)的不斷對(duì)外開放,外資銀行不斷涌入,加劇了銀行同業(yè)競(jìng)爭(zhēng),我國商業(yè)銀行要想在目前嚴(yán)峻的經(jīng)濟(jì)形勢(shì)下立足發(fā)展,就不得不考慮經(jīng)營模式的轉(zhuǎn)型。 本文以中國工商銀行為分析案例,在對(duì)商業(yè)銀行盈利模式進(jìn)行相關(guān)的理論研究之后,分析中國工商銀行現(xiàn)階段面臨的國內(nèi)外競(jìng)爭(zhēng)環(huán)境。接著對(duì)工商銀行盈利模式進(jìn)行具體分析,通過多家銀行之間的橫向比較和其自身的縱向比較,分析工商銀行現(xiàn)行盈利模式特點(diǎn),針對(duì)影響銀行盈利的不同影響因素,建立因素分析模型,進(jìn)行計(jì)量經(jīng)濟(jì)分析,通過對(duì)結(jié)果的分析研究工商銀行盈利模式的創(chuàng)新點(diǎn)。并最終在資產(chǎn)負(fù)債表內(nèi)外兩個(gè)方面創(chuàng)新設(shè)計(jì)出工商銀行新的盈利模式,針對(duì)不同的實(shí)施措施給出相應(yīng)的建議,提出相應(yīng)的制度保障,提出注重風(fēng)險(xiǎn)成本控制、突出價(jià)值創(chuàng)造最大化的低成本占用型的新型盈利模式觀點(diǎn),為以后對(duì)銀行盈利模式的研究提供了新的方向。 銀行經(jīng)營環(huán)境都是在不斷地變化中的,銀行盈利模式也不能是一成不變的,工商銀行要想在這樣的環(huán)境下生存,就必須把握機(jī)遇,迎接挑戰(zhàn),改革創(chuàng)新盈利模式,實(shí)現(xiàn)盈利能力的可持續(xù)增長(zhǎng)。
[Abstract]:The trend of global financial marketization is more and more obvious, and the interest rate marketization trend has gradually reduced the profit space of banks, and relying on the traditional interest-rate income oriented management model has been more and more unable to meet the sustainable development of bank profits.In addition, the competition in the global financial market is becoming more and more intense. With the continuous opening up of our financial industry and the continuous influx of foreign banks, the interbank competition has been intensified. If our commercial banks want to base themselves on development under the present severe economic situation,Must consider the transformation of the business model.This paper takes ICBC as an analysis case and analyzes the domestic and foreign competitive environment faced by ICBC at present after the relevant theoretical research on the profit model of commercial banks.Then the paper analyzes the profit model of ICBC, and analyzes the characteristics of the current profit model of ICBC through the horizontal comparison and its own vertical comparison between several banks, aiming at the different influencing factors of the bank's earnings.This paper establishes a factor analysis model, carries on the econometric analysis, studies the innovation of ICBC profit model through the analysis of the results.Finally, it designs the new profit model of ICBC in the balance sheet and inside and outside the balance sheet, and puts forward the corresponding suggestions for different implementation measures, the corresponding system guarantee, and puts forward the emphasis on risk cost control, and finally designs the new profit model of ICBC in both inside and outside the balance sheet.The new profit model with low cost and occupation, which emphasizes the maximization of value creation, provides a new direction for the study of bank profit model in the future.The operating environment of banks is constantly changing, and the profit model of banks cannot be fixed. If ICBC wants to survive in such an environment, it must seize the opportunity, meet the challenges, and reform and innovate the profit model.Achieving sustainable growth in profitability.
【學(xué)位授予單位】：西北大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.33

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本文編號(hào)：1718429