【摘要】：城商行作為我國商業(yè)銀行系統(tǒng)的重要組成部分,近年來在服務(wù)城鄉(xiāng)居民、服務(wù)中小企業(yè)、服務(wù)地方經(jīng)濟方面發(fā)揮著越來越重要的作用。然而如何提升自己的競爭力以更好的姿態(tài)服務(wù)城鄉(xiāng)居民是目前大多數(shù)城商行面臨的問題,而從多種渠道獲取低成本資金并將其配置在收益較高的資產(chǎn)上成為城商行提升競爭力的關(guān)鍵,這正體現(xiàn)為城商行不同的資產(chǎn)結(jié)構(gòu)和負債結(jié)構(gòu)。文章著眼于從資產(chǎn)結(jié)構(gòu)和負債結(jié)構(gòu)這一視角來探討其對城商行盈利能力的影響。首先對商業(yè)銀行競爭力的理論基礎(chǔ)進行了梳理,并對國內(nèi)外關(guān)于商業(yè)銀行競爭力的研究進行了概括總結(jié);其次從全國133家城商行中選擇發(fā)展水平較高、信息披露較為充分的45家城商行作為樣本行,從整體發(fā)展狀況、資產(chǎn)負債結(jié)構(gòu)、收入結(jié)構(gòu)三方面對樣本行的發(fā)展現(xiàn)狀進行了總結(jié)。最后以45家城商行為樣本建立了因子分析模型,通過提取公因子,探討了不同的資產(chǎn)構(gòu)成、負債構(gòu)成對城商行競爭力的影響大小。具體來看,文章共有五章,第一章為引言,闡述了文章選題的背景以及理論意義和實踐意義。第二章總結(jié)了城商行競爭力的理論基礎(chǔ),以及城商行資產(chǎn)管理、負債管理相關(guān)的理論基礎(chǔ),并在此基礎(chǔ)上,梳理了國內(nèi)外關(guān)于城商行競爭力研究的文獻,說明了本位寫作在理論上的借鑒和參考。第三章從整體狀況、資產(chǎn)負債結(jié)構(gòu)、收入結(jié)構(gòu)三個方面總結(jié)了城商行的發(fā)展現(xiàn)狀,歸納了城商行資金來源和資產(chǎn)配置的特征,從理論上分析總結(jié)了城商行資產(chǎn)結(jié)構(gòu)、負債結(jié)構(gòu)對競爭力產(chǎn)生的影響,為第四章計量模型的建立奠定了基礎(chǔ)。第四章通過建立計量模型,運用因子分析的方法,探究了資產(chǎn)結(jié)構(gòu)、負債結(jié)構(gòu)對城商行競爭力的影響。第五章是對文章的總結(jié)和結(jié)論的歸納,并從資產(chǎn)配置和負債資金來源兩方面提出了城商行提高自身競爭力的策略建議。
[Abstract]:As an important part of China's commercial banking system, urban commercial banks are playing a more and more important role in serving urban and rural residents, serving small and medium-sized enterprises and serving the local economy in recent years. However, how to improve their competitiveness and serve urban and rural residents in a better manner is a problem faced by most urban businesses at present. Obtaining low-cost funds from a variety of channels and allocating them to high-yielding assets becomes the key to enhance the competitiveness of city commercial banks, which is reflected in the different asset structure and liability structure of the city commercial banks. This paper focuses on the impact of asset structure and liability structure on the profitability of urban firms. First of all, this paper combs the theoretical basis of the competitiveness of commercial banks, and summarizes the research on the competitiveness of commercial banks at home and abroad. Secondly, from 133 city commercial banks in China, 45 city commercial banks with high development level and full disclosure of information are selected as the sample banks, and the development status of the sample banks is summarized from three aspects: overall development status, assets and liabilities structure, and income structure. Finally, a factor analysis model is established based on 45 samples of urban merchants' behavior, and the influence of different asset composition and debt composition on the competitiveness of urban merchants is discussed by extracting public factors. Specifically, there are five chapters in the article. The first chapter is the introduction, which expounds the background, theoretical and practical significance of the topic. The second chapter summarizes the theoretical basis of the competitiveness of the city commercial banks, as well as the related theoretical basis of asset management and liability management of the city commercial banks, and on this basis, combs the domestic and foreign literature about the competitiveness of the city commercial banks. This paper explains the theoretical reference and reference of standard writing. The third chapter summarizes the development status of the city commercial bank from three aspects: the overall situation, the assets and liabilities structure and the income structure, summarizes the characteristics of the capital source and asset allocation of the city commercial bank, and summarizes the asset structure of the city commercial bank from the theoretical point of view. The influence of debt structure on competitiveness lays a foundation for the establishment of the fourth chapter measurement model. The fourth chapter explores the influence of asset structure and debt structure on the competitiveness of urban firms by establishing an econometric model and using the method of factor analysis. The fifth chapter is the summary and conclusion of the article, and puts forward the strategic suggestions to improve the competitiveness of city firms from two aspects of asset allocation and liability funds.
【學位授予單位】：蘭州大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F832.33

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