本文選題：經(jīng)濟新常態(tài) + 上市商業(yè)銀行　； 參考：《貴州財經(jīng)大學》2017年碩士論文

【摘要】：經(jīng)濟危機以后,我國經(jīng)濟進入深度轉(zhuǎn)型的時期,我國的GDP增長率開始了持續(xù)降低的走勢,國內(nèi)經(jīng)濟發(fā)展也出現(xiàn)低迷的發(fā)展狀態(tài),我國經(jīng)濟已經(jīng)開始逐漸由以往的高速增長轉(zhuǎn)變?yōu)橹懈咚俚脑鲩L模式,國內(nèi)經(jīng)濟結(jié)構(gòu)不斷得到優(yōu)化,產(chǎn)業(yè)正在進行全面升級,我國的經(jīng)濟發(fā)展也因此脫離了以往“舊常態(tài)”的發(fā)展模式,進入了“新常態(tài)”的嶄新發(fā)展模式中。而“經(jīng)濟新常態(tài)”的出現(xiàn),也在一定程度上改變了我國金融業(yè)發(fā)展的“生態(tài)環(huán)境”,尤其是對商業(yè)銀行的經(jīng)營模式、收入結(jié)構(gòu)等造成深刻的影響。研究經(jīng)濟新常態(tài)下我國商業(yè)銀行盈利能力影響因素有如何的變化,以及對商業(yè)銀行的盈利能力有怎樣的影響,是非常值得具有研究價值的問題,而且通過對商業(yè)銀行在經(jīng)濟新常態(tài)大背景下盈利能力的研究,也可以在一定程度上為商業(yè)銀行以后的健康發(fā)展提供更好的借鑒。本文是在經(jīng)濟新常態(tài)這個大背景下,先對與商業(yè)銀行盈利能力相關(guān)的理論、經(jīng)濟新常態(tài)對商業(yè)銀行盈利能力影響的相關(guān)理論文獻進行分析,緊接著從宏觀和微觀兩個角度來對影響我國上市商業(yè)銀行盈利能力的影響因素進行分析,并確定用來衡量我國商業(yè)銀行盈利能力的指標及影響因素的指標。最后,運用STATA軟件,選取2002年-2008年(舊常態(tài))和2009年-2015年(新常態(tài))兩個階段對我國16家上市商業(yè)銀行的盈利能力的影響因素進行實證分析,通過對比來分析經(jīng)濟常態(tài)下我國上市商業(yè)銀行盈利能力的影響因素有什么樣的變化。結(jié)果發(fā)現(xiàn),在舊常態(tài)期間,手續(xù)費及傭金比率與商業(yè)銀行的資產(chǎn)收益率之間的聯(lián)系并不顯著,但在新常態(tài)期間,手續(xù)費及傭金比率與商業(yè)銀行的資產(chǎn)收益率呈現(xiàn)出非常顯著的正向相關(guān)關(guān)系。這表明在經(jīng)濟新常態(tài)下,非利息收入對于商業(yè)銀行盈利能力的影響越來越大,非利息收入已經(jīng)逐漸成為商業(yè)銀行盈利的主要來源之一;資產(chǎn)規(guī)模、業(yè)務(wù)管理費占比、資本充足率、凈息差、存貸比、成本收入比、市場集中度、金融脫媒指標對商業(yè)銀行資產(chǎn)收益率的影響,在經(jīng)濟新常態(tài)時期表現(xiàn)得要比舊常態(tài)時期要更強烈一些。因此在經(jīng)濟新常態(tài)下,商業(yè)銀行的收入結(jié)構(gòu)正在不斷的轉(zhuǎn)型中,非利息收入在商業(yè)銀行的盈利收入中占據(jù)的比重越來越大,商業(yè)銀行對于抵抗風險能力、對于成本和管理費用的控制的要求正在逐漸增強,商業(yè)銀行自身的經(jīng)營結(jié)構(gòu)正在不斷地完善中,從而也使得商業(yè)銀行在未來的競爭中變得更加具有競爭力。
[Abstract]:After the economic crisis, China's economy entered a period of deep transformation, China's GDP growth rate began to continue to decline, the domestic economic development also appeared a depressed state of development. China's economy has gradually changed from the past high speed growth to a medium and high speed growth mode. The domestic economic structure has been continuously optimized, and the industry is being comprehensively upgraded. Therefore, China's economic development has deviated from the "old normal" development model and entered the new "new normal" development model. The emergence of "new normal economy" has also changed the "ecological environment" of the development of financial industry in China to a certain extent, especially has a profound impact on the management mode and income structure of commercial banks. It is worthwhile to study how the influencing factors of commercial banks' profitability change and how they affect the profitability of commercial banks under the new normal state of economy. And through the study of the profitability of commercial banks under the background of the new normal economy, it can also provide a better reference for the healthy development of commercial banks in the future. Under the background of the new normal state of economy, this paper first analyzes the theories related to the profitability of commercial banks and the influence of the new normal state on the profitability of commercial banks. Then it analyzes the influencing factors of the profitability of the listed commercial banks in China from the macro and micro perspectives, and determines the indicators used to measure the profitability of the commercial banks in China and the indicators of the factors affecting the profitability of the listed commercial banks in China. Finally, using STATA software, this paper analyzes the influencing factors of the profitability of 16 listed commercial banks in China from 2002 to 2008 (the old normal) and 2009 to 2015 (the new normal). This paper analyzes the influence factors on the profitability of listed commercial banks under normal economic conditions. The results showed that during the old normal period, there was no significant relationship between the fees and commission ratio and the return on assets of commercial banks, but during the new normal period, There is a significant positive correlation between fees and commission rates and the return on assets of commercial banks. This indicates that in the new normal state of economy, non-interest income has more and more influence on commercial banks' profitability, and non-interest income has gradually become one of the main sources of commercial banks' profits. The influence of capital adequacy ratio, net interest margin, deposit / loan ratio, cost to income ratio, market concentration and financial disintermediation index on the return of assets of commercial banks is stronger in the new normal period than in the old one. Therefore, under the new normal state of economy, the income structure of commercial banks is constantly in the process of transformation. Non-interest income accounts for more and more of commercial banks' profit income, and commercial banks have the ability to resist risks. The requirements of cost and management cost control are gradually strengthened, and the management structure of commercial banks is constantly improving, which makes commercial banks more competitive in the future competition.
【學位授予單位】：貴州財經(jīng)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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