H銀行盈利能力及影響因素研究
發(fā)布時間：2019-04-10 11:59
【摘要】：商業(yè)銀行盈利能力的大小是保持銀行可持續(xù)發(fā)展的一個決定性因素，提高盈利能力成為提升商業(yè)銀行核心競爭力的重中之重。但隨著宏觀經(jīng)濟下行、利率市場化改革提速、資本約束機制的進一步加強、金融脫媒等新興業(yè)務發(fā)展、市場競爭日益激烈以及監(jiān)管規(guī)則趨嚴等一系列不利因素的影響，H銀行保持利潤持續(xù)穩(wěn)定增長面臨著重重困難。因此分析其盈利現(xiàn)狀，找出制約其盈利水平持續(xù)穩(wěn)定提升的因素，并采取相應的策略措施，，對于H銀行充分挖掘自身潛力，盡力、盡快提高盈利能力，實現(xiàn)利潤最大化具有重要的現(xiàn)實意義。 本文在商業(yè)銀行內(nèi)部管理和企業(yè)競爭力理論基礎上，利用H銀行20092012年四年的財務數(shù)據(jù)，選取凈利潤、利潤增長率、營業(yè)利潤率、資產(chǎn)收益率、凈利息收益率、非利息收入比和成本收入比七個指標，對H銀行的盈利能力現(xiàn)狀進行分析，從分析結果可以看出，H銀行的盈利能力仍然有提升空間，特別是凈利潤、凈利息收入、中間業(yè)務收入的增長率在逐年下降，可見盈利能力的提升面臨著一定壓力。通過對盈利能力現(xiàn)狀的描述，本文進而對制約盈利能力提高的影響因素進行了規(guī)范分析，將影響因素概括為自身影響因素和外部環(huán)境影響因素。自身影響因素包括經(jīng)營效率情況、資產(chǎn)質(zhì)量的高低、創(chuàng)新能力的大小和風險控制能力四個方面，外部環(huán)境影響因素則包括宏觀經(jīng)濟形勢、監(jiān)管政策的調(diào)整、利率市場化改革進程以及市場和同業(yè)的競爭。針對這些影響因素，文章從微觀層面提出了加強成本管理、提高金融創(chuàng)新開發(fā)能力、強化風險管控能力、完善公司內(nèi)部治理來提升銀行盈利能力，從中觀層面提出要促進銀行間公平競爭、加強銀行間合作，從宏觀層面提出了要保證經(jīng)濟健康迅速發(fā)展、完善資本市場、健全監(jiān)管和運行體系以及完善金融政策。
[Abstract]:The size of the profitability of commercial banks is a decisive factor to maintain the sustainable development of banks, and improving the profitability of commercial banks becomes the most important factor to enhance the core competitiveness of commercial banks. However, with the downside of macro-economy, the accelerated reform of interest rate marketization, the further strengthening of capital constraint mechanism, the development of emerging business such as financial disintermediation, the increasingly fierce competition in the market and the impact of a series of adverse factors, such as stricter regulatory rules, Bank H is facing difficulties in maintaining steady and sustained profit growth. Therefore, this paper analyzes the current situation of profit, finds out the factors that restrict the continuous and stable improvement of its profit level, and takes corresponding strategic measures to fully tap its potential for H bank and improve its profitability as soon as possible. The realization of profit maximization is of great practical significance. Based on the theory of internal management and enterprise competitiveness of commercial banks, this paper selects net profit, profit growth rate, operating profit rate, return on assets and net interest rate by using the financial data of H bank in 2009-2012. Non-interest income ratio and cost-to-income ratio are seven indicators to analyze the status quo of H Bank's profitability. It can be seen from the analysis results that H Bank's profitability still has room to improve, especially net profit and net interest income. The growth rate of intermediate business revenue is declining year by year, so we can see that the improvement of profitability is facing certain pressure. By describing the current situation of profitability, this paper makes a normative analysis of the influencing factors that restrict the improvement of profitability, and generalizes the influencing factors as self-influencing factors and external environmental influencing factors. Self-influencing factors include operating efficiency, asset quality, innovation capacity and risk control ability, while external environmental factors include macroeconomic situation, regulatory policy adjustment, and so on. Interest rate marketization reform process as well as the market and the competition between the industry. In view of these factors, the paper puts forward to strengthen the cost management, improve the financial innovation and development ability, strengthen the risk control ability, perfect the internal governance of the company to improve the profitability of the bank from the micro-level. From the view point of view, we should promote the fair competition among banks and strengthen the cooperation among banks. From the macro level, we should ensure the healthy and rapid development of the economy, perfect the capital market, perfect the supervision and operation system and perfect the financial policy.
【學位授予單位】：湖南大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.33
本文編號：2455778
[Abstract]:The size of the profitability of commercial banks is a decisive factor to maintain the sustainable development of banks, and improving the profitability of commercial banks becomes the most important factor to enhance the core competitiveness of commercial banks. However, with the downside of macro-economy, the accelerated reform of interest rate marketization, the further strengthening of capital constraint mechanism, the development of emerging business such as financial disintermediation, the increasingly fierce competition in the market and the impact of a series of adverse factors, such as stricter regulatory rules, Bank H is facing difficulties in maintaining steady and sustained profit growth. Therefore, this paper analyzes the current situation of profit, finds out the factors that restrict the continuous and stable improvement of its profit level, and takes corresponding strategic measures to fully tap its potential for H bank and improve its profitability as soon as possible. The realization of profit maximization is of great practical significance. Based on the theory of internal management and enterprise competitiveness of commercial banks, this paper selects net profit, profit growth rate, operating profit rate, return on assets and net interest rate by using the financial data of H bank in 2009-2012. Non-interest income ratio and cost-to-income ratio are seven indicators to analyze the status quo of H Bank's profitability. It can be seen from the analysis results that H Bank's profitability still has room to improve, especially net profit and net interest income. The growth rate of intermediate business revenue is declining year by year, so we can see that the improvement of profitability is facing certain pressure. By describing the current situation of profitability, this paper makes a normative analysis of the influencing factors that restrict the improvement of profitability, and generalizes the influencing factors as self-influencing factors and external environmental influencing factors. Self-influencing factors include operating efficiency, asset quality, innovation capacity and risk control ability, while external environmental factors include macroeconomic situation, regulatory policy adjustment, and so on. Interest rate marketization reform process as well as the market and the competition between the industry. In view of these factors, the paper puts forward to strengthen the cost management, improve the financial innovation and development ability, strengthen the risk control ability, perfect the internal governance of the company to improve the profitability of the bank from the micro-level. From the view point of view, we should promote the fair competition among banks and strengthen the cooperation among banks. From the macro level, we should ensure the healthy and rapid development of the economy, perfect the capital market, perfect the supervision and operation system and perfect the financial policy.
【學位授予單位】：湖南大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.33
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