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纳虡I(yè)銀行獲取了高額的凈利潤？本文通過分析商業(yè)銀行的基本業(yè)務(wù)和基本損益項，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)收益率與其他各項指標(biāo)之間的簡要關(guān)系模型。 通過選取七個主要發(fā)達(dá)國家和六個經(jīng)濟轉(zhuǎn)型國家作為兩個比較組，本文將各比較組國家商業(yè)銀行與我國商業(yè)銀行就所選取的系列盈利相關(guān)比率指標(biāo)進行逐項的比較研究。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GDP占比、資產(chǎn)GDP比、資產(chǎn)減值損失資產(chǎn)總額比等，各項指標(biāo)的時間跨度最長為30年以上。 研究發(fā)現(xiàn)導(dǎo)致我國商業(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家中相對較高的凈息差水平。在比較研究過程中還發(fā)現(xiàn)，我國商業(yè)銀行的凈息差水平普遍低于所有被比較的經(jīng)濟轉(zhuǎn)軌國家和個別發(fā)達(dá)國家，這說明僅把我國商業(yè)銀行的高盈利歸因于高息差是不充分的。此外，本文還揭示了我國商業(yè)銀行的高額利潤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)收益率與其他各項盈利相關(guān)指標(biāo)的簡要關(guān)系模型，對我國商業(yè)銀行盈利前景進行展望，并提出發(fā)展的建議，同時指出該模型既可作為商業(yè)銀行資產(chǎn)收益率的預(yù)測模型，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)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.33;F830.42

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