本文關(guān)鍵詞：中外商業(yè)銀行盈利能力的比較研究　出處：《上海交通大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 商業(yè)銀行 盈利能力 中外比較 資產(chǎn)收益率 凈資產(chǎn)收益率

【摘要】：我國(guó)商業(yè)銀行的高盈利水平引起人們的關(guān)注，究竟是什么原因?qū)е挛覈?guó)的商業(yè)銀行獲取了高額的凈利潤(rùn)？本文通過分析商業(yè)銀行的基本業(yè)務(wù)和基本損益項(xiàng)，選取了一系列與商業(yè)銀行盈利相關(guān)的比率指標(biāo)，并把其中的資產(chǎn)收益率作為核心指標(biāo)，，建立起商業(yè)銀行資產(chǎn)收益率與其他各項(xiàng)指標(biāo)之間的簡(jiǎn)要關(guān)系模型。 通過選取七個(gè)主要發(fā)達(dá)國(guó)家和六個(gè)經(jīng)濟(jì)轉(zhuǎn)型國(guó)家作為兩個(gè)比較組，本文將各比較組國(guó)家商業(yè)銀行與我國(guó)商業(yè)銀行就所選取的系列盈利相關(guān)比率指標(biāo)進(jìn)行逐項(xiàng)的比較研究。研究中所選取的商業(yè)銀行盈利相關(guān)指標(biāo)包括資產(chǎn)收益率、權(quán)益乘數(shù)、凈資產(chǎn)收益率、凈利差和凈息差、非利息凈收入占比、成本收入比、收入凈利率、生息資產(chǎn)占比、行業(yè)利潤(rùn)GDP占比、資產(chǎn)GDP比、資產(chǎn)減值損失資產(chǎn)總額比等，各項(xiàng)指標(biāo)的時(shí)間跨度最長(zhǎng)為30年以上。 研究發(fā)現(xiàn)導(dǎo)致我國(guó)商業(yè)銀行高盈利水平的主要成因來自較高的資產(chǎn)收益率，而較高的資產(chǎn)收益率主要源自較低的成本收入比和資產(chǎn)減值損失率，其次才是在各比較國(guó)家中相對(duì)較高的凈息差水平。在比較研究過程中還發(fā)現(xiàn)，我國(guó)商業(yè)銀行的凈息差水平普遍低于所有被比較的經(jīng)濟(jì)轉(zhuǎn)軌國(guó)家和個(gè)別發(fā)達(dá)國(guó)家，這說明僅把我國(guó)商業(yè)銀行的高盈利歸因于高息差是不充分的。此外，本文還揭示了我國(guó)商業(yè)銀行的高額利潤(rùn)除了由于較高的資產(chǎn)收益率外，還由于近年來遠(yuǎn)高于GDP增速的資產(chǎn)規(guī)模增速，而這與我國(guó)近年來較為寬松的貨幣政策密切相關(guān)。 最后，本文根據(jù)所建立的商業(yè)銀行資產(chǎn)收益率與其他各項(xiàng)盈利相關(guān)指標(biāo)的簡(jiǎn)要關(guān)系模型，對(duì)我國(guó)商業(yè)銀行盈利前景進(jìn)行展望，并提出發(fā)展的建議，同時(shí)指出該模型既可作為商業(yè)銀行資產(chǎn)收益率的預(yù)測(cè)模型，也可作為商業(yè)銀行選擇發(fā)展策略路徑的工具。
[Abstract]:The high profit level of commercial banks in our country has aroused people's attention. What causes the commercial banks in our country to obtain high net profits? By analyzing the basic business and basic profit and loss items of commercial banks, this paper selects a series of ratio indicators related to the profitability of commercial banks, and takes the rate of return on assets as the core index. A brief relationship model between the return rate of assets of commercial banks and other indicators is established. Seven major developed countries and six countries with economies in transition were selected as the two comparison groups. In this paper, the commercial banks of each group of countries and commercial banks of our country will be selected to select a series of profit correlation ratio index comparative study. The commercial bank profitability related indicators selected in the study, including the return on assets. Equity multiplier, net return on assets, net interest margin and net interest margin, non-interest net income ratio, cost-income ratio, income net interest rate, interest-bearing assets ratio, industry profit GDP ratio, asset GDP ratio. The time span of each index is more than 30 years. It is found that the main cause of the high profitability of commercial banks in China comes from the higher return on assets, while the higher return on assets mainly comes from the lower cost-income ratio and the loss rate of impairment of assets. The second is the relatively high level of net interest margin in each comparative country. In the process of comparative study, it is also found that the level of net interest margin of commercial banks in China is generally lower than that of all the comparative economies in transition countries and individual developed countries. This shows that it is not sufficient to attribute the high profits of Chinese commercial banks to the high interest margin. In addition, this paper also reveals that the high profits of commercial banks in China are due to the higher return on assets. It is also due to asset growth, which has been much higher than GDP growth in recent years, which is closely linked to China's looser monetary policy in recent years. Finally, according to the established commercial bank asset return rate and other profit related indicators of the brief relationship model, the prospects of commercial banks in China, and put forward suggestions for development. It is also pointed out that this model can be used not only as a forecasting model for the return on assets of commercial banks, but also as a tool for commercial banks to choose the path of development strategy.
【學(xué)位授予單位】：上海交通大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.33;F830.42

【參考文獻(xiàn)】

相關(guān)期刊論文 前9條

1 高瑋;;中國(guó)銀行業(yè)盈利影響因素分析[J];當(dāng)代經(jīng)濟(jì)管理;2010年03期

2 匡忠華;;我國(guó)銀行業(yè)高利潤(rùn)產(chǎn)生原因及對(duì)經(jīng)濟(jì)影響[J];邊疆經(jīng)濟(jì)與文化;2012年11期

3 黃雋;張春林;;什么決定了中國(guó)商業(yè)銀行的高盈利[J];經(jīng)濟(jì)理論與經(jīng)濟(jì)管理;2012年06期

4 許道文;;我國(guó)商業(yè)銀行盈利高增長(zhǎng)的可持續(xù)性分析[J];海南金融;2012年08期

5 巴曙松;華中煒;朱元倩;;利率市場(chǎng)化的國(guó)際比較:路徑、績(jī)效與市場(chǎng)結(jié)構(gòu)[J];華中師范大學(xué)學(xué)報(bào)(人文社會(huì)科學(xué)版);2012年05期

6 韓德明;景振華;;我國(guó)銀行業(yè)高額利潤(rùn)分析及對(duì)策研究[J];價(jià)值工程;2013年07期

7 郭忠軍;鄭方敬;鄭蕾;;銀行盈利模式轉(zhuǎn)型與調(diào)控路徑探討[J];金融發(fā)展研究;2012年08期

8 邵兵;;我國(guó)銀行業(yè)利差決定因素實(shí)證研究[J];商業(yè)時(shí)代;2012年35期

9 霍健;;對(duì)國(guó)內(nèi)銀行業(yè)利潤(rùn)率攀升的思考[J];青海金融;2012年08期

本文編號(hào)：1429887