【摘要】：銀行作為國(guó)民儲(chǔ)蓄與社會(huì)生產(chǎn)消費(fèi)的媒介,其行業(yè)興衰不僅預(yù)示著國(guó)家經(jīng)濟(jì)的起伏,更對(duì)后者的發(fā)展起著極為重要的推動(dòng)作用。我國(guó)商業(yè)銀行現(xiàn)在正面臨著利率市場(chǎng)化進(jìn)程和互聯(lián)網(wǎng)金融興起的雙重考驗(yàn),四大國(guó)有商業(yè)銀行實(shí)現(xiàn)盈利能力持續(xù)增長(zhǎng)面臨著巨大困難。 論文從四大國(guó)有商業(yè)銀行的現(xiàn)有業(yè)務(wù)構(gòu)成入手分析。選取了美國(guó)銀行、摩根大通銀行、匯豐銀行、德意志銀行、三菱東京日聯(lián)銀行作為境外大型商業(yè)銀行代表,分析其業(yè)務(wù)構(gòu)成并與四大國(guó)有商業(yè)銀行進(jìn)行比較。 然后對(duì)四大國(guó)有商業(yè)銀行的利潤(rùn)結(jié)構(gòu)及盈利能力變化趨勢(shì)進(jìn)行分析,得出結(jié)論：存貸款業(yè)務(wù)貢獻(xiàn)占總收入比重十分高,同時(shí)與其相關(guān)聯(lián)的業(yè)務(wù)也貢獻(xiàn)了較多利潤(rùn),而其他業(yè)務(wù)相對(duì)貢獻(xiàn)占總收入比重較小。而后分析了未來(lái)影響四大國(guó)有商業(yè)銀行盈利能力的因素,主要包括政策因素、競(jìng)爭(zhēng)因素和成本因素,如果四大國(guó)有商業(yè)銀行保持現(xiàn)有業(yè)務(wù)結(jié)構(gòu)不變,則其盈利能力肯定會(huì)降低。 最后是探討如何通過(guò)業(yè)務(wù)調(diào)整與管理創(chuàng)新來(lái)實(shí)現(xiàn)四大國(guó)有商業(yè)銀行財(cái)務(wù)指標(biāo)的持續(xù)改善,方法措施主要可以歸結(jié)為以下三點(diǎn)：豐富中間業(yè)務(wù)合理調(diào)整業(yè)務(wù)結(jié)構(gòu),開(kāi)展管理創(chuàng)新降低運(yùn)營(yíng)成本,提高服務(wù)質(zhì)量及效率。
[Abstract]:As the medium of national savings and social production and consumption, the rise and fall of banking industry not only foreshadow the ups and downs of national economy, but also play an extremely important role in promoting the development of the latter. China's commercial banks are now facing the double test of interest rate marketization process and the rise of Internet finance. The four state-owned commercial banks are faced with great difficulties in realizing the sustained growth of profitability. This paper starts with the analysis of the existing business structure of the four major state-owned commercial banks. Bank of America, JPMorgan Chase Bank, HSBC Bank, Deutsche Bank and Mitsubishi Tokyo Japan Union Bank are selected as representatives of large foreign commercial banks to analyze their business composition and compare them with the four major state-owned commercial banks. Then it analyzes the trend of profit structure and profitability of the four state-owned commercial banks, and concludes that the contribution of deposit and loan business to total income is very high, and the related business also contributes a lot of profits. And other business relative contribution accounts for gross income proportion is smaller. Then it analyzes the factors that affect the profitability of the four state-owned commercial banks in the future, including policy factors, competition factors and cost factors. If the four state-owned commercial banks keep their existing business structure unchanged, their profitability will definitely be reduced. Finally, it discusses how to realize the continuous improvement of the financial index of the four state-owned commercial banks through business adjustment and management innovation. The methods and measures can be summarized as follows: enriching the intermediate business to adjust the business structure rationally. Develop management innovation to reduce operating costs and improve service quality and efficiency.
【學(xué)位授予單位】：財(cái)政部財(cái)政科學(xué)研究所
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.2

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