【摘要】：城市商業(yè)銀行主要通過公司治理、組織架構(gòu)、管理模式、風(fēng)險控制機(jī)制、信息科技發(fā)展等方面的互動、整合和提升,物化為風(fēng)險管控能力、盈利創(chuàng)造能力和持續(xù)成長能力,這三項(xiàng)能力構(gòu)成了核心競爭力的要素。基于我國62家城市商業(yè)銀行2009-2016年的財務(wù)數(shù)據(jù)分析,從風(fēng)險管控能力來看,城市商業(yè)銀行的不良貸款率低于行業(yè)平均水平,資產(chǎn)質(zhì)量保持較高水平;貸款損失準(zhǔn)備計提相對充足,風(fēng)險抵補(bǔ)能力高于銀行業(yè)平均水平;但是資本充足率整體呈現(xiàn)下滑態(tài)勢,未來資本補(bǔ)充壓力較大。從盈利創(chuàng)造能力來看,資產(chǎn)與資本利潤率逐年下滑,盈利創(chuàng)造能力有下降趨勢;成本收入比有所上升,成本壓縮空間比較有限。從持續(xù)成長能力來看,資產(chǎn)規(guī)模保持良好的成長性,但后續(xù)增長壓力較大;盈利成長性高于銀行業(yè)平均水平,后發(fā)優(yōu)勢較為明顯;非息收入占比持續(xù)提高,收入結(jié)構(gòu)有所優(yōu)化。為此,城市商業(yè)銀行要著力加強(qiáng)資本管理,完善資本補(bǔ)充機(jī)制,全面推動管理和業(yè)務(wù)轉(zhuǎn)型,強(qiáng)化公司治理和科技創(chuàng)新,有效提升核心競爭力。
[Abstract]:City commercial banks mainly through corporate governance, organizational structure, management model, risk control mechanism, information technology development and other aspects of interaction, integration and promotion, materialized into risk control capacity, profitability creation ability and sustainable growth capacity. These three competencies constitute the key elements of core competence. Based on the financial data analysis of 62 urban commercial banks in China from 2009 to 2016, the non-performing loan rate of urban commercial banks is lower than the industry average, and the quality of assets remains high. Loan loss provision is relatively adequate and the ability to offset risks is higher than the banking average; however, the overall capital adequacy ratio is declining, with greater pressure on future capital replenishment. In terms of profit creation ability, the profit margin of assets and capital decreases year by year, and the profit creation ability decreases; the ratio of cost to income increases, and the space for cost compression is relatively limited. From the point of view of sustainable growth ability, the asset scale keeps good growth, but the subsequent growth pressure is greater; the profit growth is higher than the average level of the banking industry, and the advantage of late development is obvious; the non-interest income ratio continues to increase, and the income structure is optimized. Therefore, city commercial banks should strengthen capital management, perfect capital supplement mechanism, promote management and business transformation in an all-round way, strengthen corporate governance and scientific and technological innovation, and effectively promote core competitiveness.
【作者單位】： 泉州銀行;
【分類號】：F832.33

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