本文選題：我國(guó)上市銀行 + 盈利能力　； 參考：《鄭州大學(xué)》2013年碩士論文

【摘要】：我國(guó)銀行業(yè)經(jīng)過(guò)20多年的改革開(kāi)放,己由計(jì)劃經(jīng)濟(jì)下的“大一統(tǒng)”體制發(fā)展到適應(yīng)社會(huì)主義市場(chǎng)經(jīng)濟(jì)體制的銀行體系,不僅在組織機(jī)構(gòu)上,而且在金融產(chǎn)品、金融技術(shù)和金融服務(wù)上都有長(zhǎng)足的進(jìn)步。從縱向方面比較,我國(guó)銀行業(yè)發(fā)展很快,實(shí)力大增,但從橫向比較,特別是與一些世界上發(fā)達(dá)國(guó)家和地區(qū)盈利能力較高的銀行相比,我國(guó)銀行業(yè)各項(xiàng)盈利指標(biāo)均與其有著較大的差距[1]。我國(guó)上市銀行面臨一個(gè)全新的競(jìng)爭(zhēng)時(shí)代,不僅要和實(shí)力更強(qiáng)的國(guó)際對(duì)手競(jìng)爭(zhēng),而且隨著利率市場(chǎng)化的逐漸放開(kāi)以及銀行客戶日趨多元化的需求,我國(guó)上市銀行面臨著更高的要求,更加激烈的競(jìng)爭(zhēng),因此研究我國(guó)上市銀行目前的盈利能力,特別是和國(guó)際上盈利能力較高銀行進(jìn)行比較,找出各個(gè)贏利點(diǎn)的差距對(duì)我國(guó)銀行業(yè)的發(fā)展至關(guān)重要�；诖�,文章主要借鑒杜邦財(cái)務(wù)分析法將ROA分解為利息收入、非利息收入、利息支出、營(yíng)業(yè)支出占平均總資產(chǎn)的比重,將16家上市銀行2007年至2011年五年的平均數(shù)據(jù)作比較,找出之間的差距與具體原因并和美國(guó)盈利能力較高銀行各個(gè)指標(biāo)進(jìn)行比較分析看看究竟差在哪里,針對(duì)具體差異,找出提高我國(guó)上市銀行盈利能力的方法和努力方向。 研究結(jié)果顯示：綜合收入和支出指標(biāo)2007年至2011年我國(guó)16家上市銀行平均ROA排名最靠前的是城市上市商業(yè)銀行,這是因?yàn)槠湓诔杀举M(fèi)用控制方面做得較好。國(guó)有上市商業(yè)銀行中建設(shè)銀行和工商銀行排名較為靠前,中國(guó)銀行和交通銀行排名居中,農(nóng)業(yè)銀行排名中等偏下。在股份制上市商業(yè)銀行中招商銀行、興業(yè)銀行整體盈利能力排名較為靠前,但是和城市上市商業(yè)銀行、國(guó)有上市商業(yè)銀行相比,差距明顯。在我國(guó)上市銀行的收入構(gòu)成中,對(duì)銀行盈利性貢獻(xiàn)最大的依然是利息收入,在利息收入中占比最高的的是貸款。和美國(guó)盈利能力較高銀行相比較,在支出方面,我國(guó)上市銀行的各項(xiàng)支出指標(biāo)要低于美國(guó)盈利能力較高銀行。在收入方面,我國(guó)上市銀行在利息收入和非利息收入指標(biāo)方面均大大低于美國(guó)盈利能力較高銀行。因此要提高我國(guó)上市銀行的盈利能力本文認(rèn)為應(yīng)從以后幾個(gè)方面入手：我國(guó)上市銀行要制定適合本行發(fā)展的經(jīng)營(yíng)策略；對(duì)業(yè)務(wù)重點(diǎn)進(jìn)行調(diào)增：提高費(fèi)用管理能力,強(qiáng)化成本控制：大力發(fā)展中間業(yè)務(wù)。
[Abstract]:After more than 20 years of reform and opening up, China's banking industry has developed from a "unified system" under a planned economy to a banking system adapted to the socialist market economic system, not only in the organizational structure, but also in the financial products. Considerable progress has been made in financial technology and financial services. Compared vertically, China's banking industry has developed rapidly and its strength has increased greatly, but compared horizontally, especially with some developed countries and regions in the world with relatively high profitability, Every profit index of our country's banking industry has a big gap with it [1]. China's listed banks face a new era of competition, not only to compete with stronger international competitors, but also with the liberalization of interest rates and the increasingly diversified needs of bank customers. China's listed banks are facing higher requirements and more fierce competition. Therefore, the current profitability of listed banks in China is studied, especially compared with the higher profitability banks in the world. To find out the gap between profit points is very important to the development of our banking industry. Based on this, this paper mainly uses DuPont financial analysis method to decompose ROA into interest income, non-interest income, interest expenditure and operating expenses, and compares the average data of 16 listed banks from 2007 to 2011. To find out the difference and the specific reasons, and to compare and analyze with the various indicators of the United States banks with higher profitability to see where the difference is, aiming at the specific differences. Find out the method and direction to improve the profitability of the listed banks in China. The results show that the top 16 listed banks in China in the average ROA ranking from 2007 to 2011 are the urban listed commercial banks. This is because it has done better in cost and cost control. China Construction Bank (CCB) and Industrial and Commercial Bank of China (ICBC) ranked the top, Bank of China and Bank of Communications (BOC) in the middle, and Agricultural Bank (ACB) in the middle. Among the joint-stock listed commercial banks, China Merchants Bank and Societe Generale Bank rank at the top of the overall profitability, but compared with the city listed commercial banks and the state-owned listed commercial banks, the gap is obvious. In the income composition of listed banks in China, the biggest contribution to the profitability of banks is still interest income, and the highest proportion of interest income is loans. Compared with the higher profitability banks in the United States, China's listed banks have lower expenditure indicators than the U.S.'s higher profitability banks in terms of expenditure. In terms of income, China's listed banks in interest income and non-interest income indicators are significantly lower than the higher profitability of the United States banks. Therefore, in order to improve the profitability of listed banks in our country, this paper thinks that we should start with the following aspects: the listed banks of our country should formulate the management strategy suitable for the development of our bank, adjust and increase the business emphases, improve the ability of cost management, Strengthen cost control: develop intermediary business vigorously.
【學(xué)位授予單位】：鄭州大學(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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