本文關(guān)鍵詞：信貸結(jié)構(gòu)與上市銀行盈余質(zhì)量研究　出處：《河北大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 信貸結(jié)構(gòu) 息差寬幅 信貸風(fēng)險 盈余質(zhì)量

【摘要】：長期以來,我國商業(yè)銀行主要依靠存貸款利息差獲取利潤,較高的貸款利息收益率與較低的存款利息成本率之間的息差寬幅決定了商業(yè)銀行盈利能力。在息差寬幅的作用下,銀行更傾向于貸款給高收益行業(yè)以獲取高額利潤,在房地產(chǎn)市場向好而實體經(jīng)濟不景氣的背景下,銀行信貸資金大量流向房地產(chǎn)行業(yè),但是不斷上漲的房價是含有泡沫風(fēng)險的,銀行在吸納大量以房地產(chǎn)為抵押物貸款的過程中增加了自身的信貸風(fēng)險,銀行信貸風(fēng)險的增加將嚴重影響銀行盈余質(zhì)量。本文首先以2016上半年之前上市的16家上市商業(yè)銀行為樣本數(shù)據(jù),從息差寬幅的角度分析了信貸資金在公司貸款、個人貸款的流向,發(fā)現(xiàn)了上市銀行投向房地產(chǎn)的信貸規(guī)模占據(jù)貸款總額的比重越來越高,與此同時,上市銀行的凈利潤增速逐年放緩,盈余質(zhì)量有所下降。接著就上市銀行信貸結(jié)構(gòu)與盈余質(zhì)量關(guān)系進行了分析,通過信貸風(fēng)險銜接兩者關(guān)系,得出了上市銀行信貸資金在大量流向房地產(chǎn)、抬高房價的過程中催生了房地產(chǎn)泡沫,同時增加了銀行自身信貸風(fēng)險的結(jié)論,而信貸風(fēng)險不利于銀行未來保持穩(wěn)定成長,對我國銀行的盈余質(zhì)量具有直接影響。最后針對當(dāng)前我國上市銀行的信貸現(xiàn)狀,從調(diào)整信貸結(jié)構(gòu)、加強貸后管理、發(fā)展中間業(yè)務(wù)、完善存款保險制度方面提出了具體建議來提高盈余質(zhì)量。
[Abstract]:For a long time, commercial banks in our country mainly rely on the interest difference between deposit and loan to obtain profits. The wide interest margin between higher loan interest rate and lower deposit interest cost rate determines the profitability of commercial banks. Banks are more inclined to lend to high-yield industries to obtain high profits, in the real estate market and the real economy in the background of recession, a large number of bank credit funds to the real estate industry. However, rising house prices contain bubble risk, and banks increase their own credit risk in the process of absorbing a large number of real estate loans as collateral. The increase of bank credit risk will seriously affect the quality of bank earnings. Firstly, this paper takes 16 listed commercial banks listed before the first half of 2016 as the sample data. From the angle of wide spread of interest rate, this paper analyzes the flow of credit funds in company loans and personal loans, and finds that the credit scale of listed banks investing in real estate accounts for an increasing proportion of the total loans, at the same time. The growth rate of net profit of listed banks has slowed down year by year, and the quality of earnings has declined. Then, the relationship between credit structure and earnings quality of listed banks is analyzed, and the relationship between them is linked by credit risk. It draws the conclusion that the credit funds of listed banks flow to real estate in a large amount and inflate the housing prices to produce the real estate bubble and increase the credit risk of the banks themselves at the same time. Credit risk is not conducive to the stable growth of banks in the future and has a direct impact on the earnings quality of Chinese banks. Finally, aiming at the current credit situation of listed banks in China, we should adjust the credit structure and strengthen the post-loan management. Developing intermediary business and perfecting deposit insurance system put forward concrete suggestions to improve surplus quality.
【學(xué)位授予單位】：河北大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.4

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