【摘要】：商業(yè)銀行作為金融行業(yè)三大支柱之一在經(jīng)濟(jì)發(fā)展中占據(jù)重要作用,尤其是在我國目前直接融資的資本市場不發(fā)達(dá)的情況下,具有間接融資作用的商業(yè)銀行在我國經(jīng)濟(jì)發(fā)展中的地位更為重要,自從股份制商業(yè)銀行的相繼成立以及我國加入WTO以后,我國的金融市場逐漸放開,外資銀行的進(jìn)入,加劇了我國銀行業(yè)的競爭。商業(yè)銀行盈利能力的高低將直接關(guān)系到該銀行能否在殘酷的銀行業(yè)競爭中占得一席之地,所以對影響商業(yè)銀行盈利能力的因素的分析在理論上和實(shí)務(wù)上都顯得格外重要。近些年對該問題的研究很多,也提出了一些影響商業(yè)銀行盈利能力的因素,但是研究都相對獨(dú)立,沒能從整個經(jīng)濟(jì)體系中研究影響商業(yè)銀行盈利能力的發(fā)展?jié)摿Φ囊蛩亍?本文以我國實(shí)際經(jīng)濟(jì)情況和改革的方向?yàn)楸尘?在以前有關(guān)學(xué)者研究的基礎(chǔ)上,通過對目前已經(jīng)上市的16家商業(yè)銀行的2003年到2012年相關(guān)數(shù)據(jù)的分析,研究這些銀行的盈利狀況以及影響其盈利能力的因素,在眾多研究因素中提煉出影響程度可能最大的七個指標(biāo),并建立經(jīng)濟(jì)計(jì)量模型,運(yùn)用多元回歸分析方法進(jìn)行研究。本文主要分為以下幾部分,第一章主要介紹了國內(nèi)外學(xué)者對相關(guān)問題的研究；第二章分別介紹了我國國有商業(yè)銀行以及股份制商業(yè)銀行的盈利能力現(xiàn)狀；第三章運(yùn)用理論分析的方法對影響我國商業(yè)銀行盈利能力的因素進(jìn)行了分析,并提出了本文的假設(shè)；第四章則運(yùn)用多元回歸分析方法對影響我國已經(jīng)上市的商業(yè)銀行盈利能力的因素進(jìn)行了實(shí)證分析；第五章則提出了對我國商業(yè)銀行改革的一些政策建議等。 只有深入研究影響我國商業(yè)銀行盈利能力的因素,才能在有重點(diǎn)的采取措施提升我國商業(yè)銀行的競爭力,也是本文研究的落腳點(diǎn)。
[Abstract]:As one of the three pillars of the financial industry, the commercial bank plays an important role in the economic development, especially in the case of the underdeveloped capital market in our country, the position of the commercial bank with the indirect financing function is more important in the economic development of our country, Since the establishment of the joint-stock commercial banks and the entry of our country into the WTO, the financial market of our country has gradually opened, and the entry of foreign banks has increased the competition of our banking industry. The high and low of the profitability of the commercial banks will be directly related to whether the bank can take a place in the fierce competition of the banking industry, so the analysis of the factors that affect the profitability of the commercial banks is very important in theory and practice. In recent years, many researches have been made on this problem, and some factors that affect the profitability of commercial banks have been put forward, but the research is relatively independent, and the factors that influence the development potential of the profitability of the commercial banks have not been studied from the whole economic system. Based on the analysis of the relevant data from 2003 to 2012 of the 16 commercial banks that have been listed, the paper studies the profit status of these banks and the factors that affect their profitability, based on the actual economic situation and the direction of the reform in our country. In this paper, seven indexes, which may be the most likely to be most affected, are extracted from a number of research factors, and the economic measurement model is established, and the multiple regression analysis method is used for the research. This paper is mainly divided into the following parts: the first chapter mainly introduces the research of the relevant problems at home and abroad; and the second chapter introduces the current profit ability of the state-owned commercial banks and the joint-stock commercial banks in our country. The third chapter uses the method of the theory analysis to analyze the factors that affect the profitability of the commercial banks of our country, and put forward the hypothesis of this paper; the fourth chapter uses the multiple regression analysis method to make an empirical analysis on the factors that affect the profitability of the commercial banks that have already been listed in China. The fifth chapter puts forward some policy suggestions for China's commercial bank reform Only in-depth study of the factors that affect the profitability of our commercial banks can we take measures to improve the competitiveness of our commercial banks.
【學(xué)位授予單位】：東北財(cái)經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.33

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