發(fā)布時(shí)間：2019-01-03 09:40

【摘要】：近年來(lái)，我國(guó)中小商業(yè)銀行發(fā)展迅速，已經(jīng)成為我國(guó)銀行體系中不可缺少的重要組成部分。盈利能力的研究，對(duì)于提高中小商業(yè)銀行的盈利水平，實(shí)現(xiàn)其可持續(xù)發(fā)展有著重要的意義。 本文借鑒了國(guó)內(nèi)外的研究成果，在相關(guān)理論的基礎(chǔ)上，從微觀、行業(yè)與宏觀三個(gè)層次對(duì)影響商業(yè)銀行盈利能力的因素進(jìn)行了理論分析。依據(jù)理論分析，又從盈利環(huán)境、盈利基礎(chǔ)、盈利方式和盈利表現(xiàn)四個(gè)方面分析了我國(guó)中小商業(yè)銀行的盈利現(xiàn)狀。 在綜合影響因素分析與盈利現(xiàn)狀的基礎(chǔ)上，文章構(gòu)建出評(píng)價(jià)我國(guó)中小商業(yè)銀行盈利能力的指標(biāo)體系，并運(yùn)用因子分析模型進(jìn)行了實(shí)證檢驗(yàn)。結(jié)果發(fā)現(xiàn)：我國(guó)中小商業(yè)銀行的盈利能力有了很大變化。為探究影響我國(guó)中小商業(yè)銀行盈利能力變化的原因，文章從橫向與縱向的角度對(duì)實(shí)證結(jié)果進(jìn)行比較分析，，得出主要結(jié)論，即我國(guó)中小商業(yè)銀行，尤其是城市商業(yè)銀行，盈利水平的高速提升很大程度上是宏觀環(huán)境影響的結(jié)果。最后，根據(jù)結(jié)論，提出提高我國(guó)中小商業(yè)銀行盈利能力的對(duì)策建議。
[Abstract]:In recent years, small and medium-sized commercial banks in China have developed rapidly and become an indispensable part of our banking system. The study of profitability plays an important role in improving the profitability of medium and small commercial banks and realizing their sustainable development. This paper draws lessons from the domestic and foreign research results, on the basis of relevant theories, from the micro, industry and macro three levels to analyze the factors that affect the profitability of commercial banks. According to the theoretical analysis, this paper analyzes the current situation of the profit of the small and medium-sized commercial banks in our country from four aspects: the profit environment, the profit basis, the profit mode and the profit performance. On the basis of synthesizing the analysis of influencing factors and the present situation of profit, this paper constructs an index system to evaluate the profitability of small and medium-sized commercial banks in China, and makes an empirical test with factor analysis model. The results show that the profitability of small and medium-sized commercial banks has changed a lot. In order to explore the reasons that affect the profitability of small and medium-sized commercial banks in China, the paper makes a comparative analysis of the empirical results from the horizontal and vertical angles, and draws the main conclusions, that is, the small and medium-sized commercial banks, especially the urban commercial banks, in our country. The high-speed increase in profit level is largely the result of macro-environmental impact. Finally, according to the conclusion, the paper puts forward countermeasures and suggestions to improve the profitability of small and medium-sized commercial banks in China.
【學(xué)位授予單位】：蘇州大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類(lèi)號(hào)】：F832.33;F224

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