本文選題：商業(yè)銀行　切入點：盈利能力　出處：《首都經(jīng)濟貿(mào)易大學》2017年碩士論文　論文類型：學位論文

【摘要】：近年來,隨著各項金融改革不斷深化,我國商業(yè)銀行面臨著市場競爭越來越激烈的各種困局。首先互聯(lián)網(wǎng)金融是近幾年最熱議的話題之一,通過互聯(lián)網(wǎng)金融人們改變了自己的生活方式,人們不單單要通過銀行渠道才能存貸款。銀行在這個互聯(lián)網(wǎng)時代一度被邊緣化。金融脫媒現(xiàn)象愈來愈普遍,越來越常態(tài)化。直接融資渠道隨著金融市場的不斷完善,越來越成熟。銀行的最傳統(tǒng)的業(yè)務存貸業(yè)務也受到了嚴重的沖擊。我國逐步推行利率市場化的過程中,市場競爭越發(fā)的激烈。最近幾年,外資銀行因為其獨特的優(yōu)勢和成熟化的金融管理體系,在市場上占據(jù)了一定的優(yōu)勢,我國商業(yè)銀行只能在夾縫中求生存,不斷提高自身的營運效率、完善風險管理體制、創(chuàng)新產(chǎn)品結(jié)構(gòu),才能保證平穩(wěn)運營,提升自身的盈利能力。所以在我國股份制商業(yè)銀行所處的競爭環(huán)境十分惡劣,全面提高自身實力就顯得尤其重要,現(xiàn)在我國商業(yè)銀行要做的就是提供高自身的盈利能力,才能在復雜的市場環(huán)境下得以生存。本文以我國13家上市的商業(yè)銀行2010年一2015年的數(shù)據(jù)為樣本,使用Eviews8.0進行實驗操作,基于面板數(shù)據(jù)模型,對我國商業(yè)銀行盈利能力影響因素系統(tǒng)而全面的進行實證分析,分別從內(nèi)部因素和外部因素進行分析闡述,本文最后實證結(jié)果,對于怎樣提高我國上市商業(yè)銀行盈利能力,提出幾點針對性建議。實證結(jié)果顯示:國內(nèi)生產(chǎn)總值增速、通脹率這兩方面因素與盈利能力成正相關關系;資產(chǎn)規(guī)模、不良貸款率、成本收入比、現(xiàn)金及存放央行款項占總資產(chǎn)、手續(xù)費及傭金收入占凈利息收入的比值、資本充足率成負相關關系。本文得出的結(jié)論:對于銀行內(nèi)部因素來說,適度控制資產(chǎn)規(guī)模有助于提高上市商業(yè)銀行的盈利能力;適度降低商業(yè)銀行的不良貸款、成本收入比、對提高商業(yè)銀行的盈利能力有很大幫助。對于外部因素,國內(nèi)生產(chǎn)總值增長率、通脹率與我國商業(yè)銀行的盈利能力顯著相關。
[Abstract]:In recent years, with the deepening of various financial reforms, Chinese commercial banks are facing more and more fierce market competition. Firstly, Internet finance is one of the hottest topics in recent years. People have changed their way of life through Internet finance, and people don't just have to go through bank channels to deposit and lend. Banks were once marginalized in the Internet age. Financial disintermediation is becoming more and more common. With the continuous improvement of the financial market, direct financing channels are becoming more and more mature. The bank's most traditional business deposit and loan business has also suffered a serious impact. The market competition is becoming more and more fierce. In recent years, foreign banks have occupied certain advantages in the market because of their unique advantages and mature financial management system. Our commercial banks can only survive in the gap. Only by constantly improving their own operational efficiency, perfecting the risk management system and innovating the product structure can they guarantee smooth operation and enhance their own profitability. Therefore, the competitive environment of the joint-stock commercial banks in our country is very bad. It is particularly important to improve our strength in an all-round way. What our commercial banks have to do now is to provide high profitability. In order to survive in the complex market environment, this paper takes the data of 13 listed commercial banks in China from 2010 to 2015 as the sample, uses Eviews8.0 to carry on the experiment operation, based on the panel data model, This paper makes a systematic and comprehensive empirical analysis of the factors affecting the profitability of commercial banks in China, respectively from the internal and external factors. The final empirical results of this paper, how to improve the profitability of listed commercial banks in China. The empirical results show that the GDP growth rate and inflation rate are positively correlated with profitability, asset size, non-performing loan ratio, cost-income ratio, There is a negative correlation between cash and central bank deposits in total assets, fees and commission income as a percentage of net interest income, and capital adequacy ratio. Appropriately controlling the scale of assets will help to improve the profitability of listed commercial banks, while lowering the non-performing loans and cost-income ratio of commercial banks will greatly help to improve the profitability of commercial banks. The growth rate of GDP and inflation rate are significantly related to the profitability of commercial banks in China.
【學位授予單位】：首都經(jīng)濟貿(mào)易大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F832.33;F830.42

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