本文關(guān)鍵詞：我國(guó)商業(yè)銀行盈利能力及影響因素研究　出處：《浙江大學(xué)》2015年碩士論文　論文類型：學(xué)位論文

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【摘要】：商業(yè)銀行盈利能力的強(qiáng)弱直接關(guān)系其自身的生存與發(fā)展。盈利水平的提高不僅能夠增強(qiáng)銀行信譽(yù),增強(qiáng)銀行的資本實(shí)力,吸引更多的客戶,與此同時(shí)還可以增強(qiáng)銀行自身抵御風(fēng)險(xiǎn)的能力,提高銀行的競(jìng)爭(zhēng)力。商業(yè)銀行盈利模式一直是學(xué)者們重點(diǎn)研究的課題。伴隨著中國(guó)銀行業(yè)飛速的發(fā)展,商業(yè)銀行經(jīng)營(yíng)管理中關(guān)于盈利模式的矛盾和問題日益凸顯。一些學(xué)者開始意識(shí)到中國(guó)商業(yè)銀行目前的利差主導(dǎo)型盈利模式已經(jīng)越來越不能適應(yīng)不斷變化的銀行業(yè)經(jīng)營(yíng)環(huán)境。因此,基于對(duì)銀行盈利模式的研究和分析,對(duì)商業(yè)銀行轉(zhuǎn)變經(jīng)營(yíng)思路,發(fā)展多元化盈利模式和應(yīng)對(duì)日益激烈的銀行業(yè)和金融市場(chǎng)競(jìng)爭(zhēng)都具有很強(qiáng)的理論和現(xiàn)實(shí)意義。 論文在充分借鑒國(guó)內(nèi)外研究成果的基礎(chǔ)上,采用定量與定性相結(jié)合、理論與實(shí)證相結(jié)合的方法,在進(jìn)行定性分析的基礎(chǔ)上,運(yùn)用面板數(shù)據(jù)模型對(duì)影響我國(guó)上市商業(yè)銀行盈利能力的因素進(jìn)行實(shí)證研究,從內(nèi)、外部因素中分離出對(duì)上市商業(yè)銀行盈利能力產(chǎn)生影響的因素。通過研究,得出了經(jīng)營(yíng)效率對(duì)我國(guó)商業(yè)銀行的效率有顯著的影響、資本充足率與銀行的盈利能力有顯著的正向相關(guān)、銀行的盈利能力與經(jīng)濟(jì)周期有顯著的相關(guān)性、銀行的盈利能力與市場(chǎng)集中度有關(guān)等結(jié)論,并且基于定性分析和定量分析的結(jié)果提出相應(yīng)的政策建議。
[Abstract]:The profitability of commercial banks is directly related to their own survival and development. The improvement of profit level can not only enhance the credibility of banks, enhance the capital strength of banks, attract more customers. At the same time, it can also enhance the ability of the banks to resist risks and improve the competitiveness of the banks. The profit model of commercial banks has always been the focus of research by scholars. With the rapid development of Chinese banking industry. The contradictions and problems about the profit model in the management of commercial banks are becoming more and more obvious. Some scholars have begun to realize that the current profit mode of Chinese commercial banks is becoming more and more unable to adapt to the changing banking industry. Business environment. So... Based on the research and analysis of bank profit model, it is of great theoretical and practical significance for commercial banks to change their business thinking, to develop diversified profit models and to cope with the increasingly fierce competition in banking and financial markets. Based on the domestic and foreign research results, the paper adopts the method of combining quantitative and qualitative, theoretical and empirical, on the basis of qualitative analysis. Using panel data model to study the factors that affect the profitability of listed commercial banks in China. The factors that affect the profitability of listed commercial banks are separated from internal and external factors. It is concluded that the operating efficiency has a significant impact on the efficiency of commercial banks in China, the capital adequacy ratio has a significant positive correlation with the profitability of the banks, and the profitability of the banks has a significant correlation with the economic cycle. The profitability of banks is related to market concentration, and based on the results of qualitative analysis and quantitative analysis, the corresponding policy recommendations are put forward.
【學(xué)位授予單位】：浙江大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：F832.33

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