【摘要】：近幾年來(lái)，我國(guó)商業(yè)銀行盈利水平保持著持續(xù)高速增長(zhǎng)的態(tài)勢(shì)，中國(guó)商業(yè)銀行這種非常態(tài)的盈利狀態(tài)不得不引起我們的高度關(guān)注。我們不得不思考這種高速增長(zhǎng)是否具有可持續(xù)性，現(xiàn)行的商業(yè)銀行盈利模式、盈利能力是否具有可持續(xù)性以及其背后是否隱藏著風(fēng)險(xiǎn)。因此對(duì)于商業(yè)銀行現(xiàn)行的盈利模式、可持續(xù)盈利能力的研究具有非常重要的現(xiàn)實(shí)意義。 本文首先對(duì)商業(yè)銀行可持續(xù)盈利能力的內(nèi)涵進(jìn)行了界定，并對(duì)其進(jìn)行了理論分析。接下來(lái)對(duì)我國(guó)商業(yè)銀行的盈利模式現(xiàn)狀進(jìn)行了闡述，并與國(guó)際先進(jìn)銀行進(jìn)行比較，發(fā)現(xiàn)了我國(guó)商業(yè)銀行盈利模式存在的問(wèn)題。 在實(shí)證研究部分，，本文選取了2008年一2012年的國(guó)內(nèi)外19家商業(yè)銀行的財(cái)務(wù)數(shù)據(jù)作為樣本，構(gòu)建出評(píng)價(jià)中外商業(yè)銀行可持續(xù)盈利能力的指標(biāo)體系，并運(yùn)用因子分析模型進(jìn)行了實(shí)證分析。結(jié)論表明：我國(guó)商業(yè)銀行在盈利能力可持續(xù)性方面與國(guó)外銀行還有較大差距，資本安全、資產(chǎn)質(zhì)量和收入結(jié)構(gòu)是持續(xù)盈利能力的主要影響因素。最后本文根據(jù)研究結(jié)論給出提高我國(guó)商業(yè)銀行可持續(xù)盈利能力的相關(guān)政策性建議，即優(yōu)化收入結(jié)構(gòu)，發(fā)展銀行中間業(yè)務(wù)；加強(qiáng)風(fēng)險(xiǎn)管理,提高銀行資產(chǎn)質(zhì)量和資本安全，并不斷進(jìn)行金融創(chuàng)新。
[Abstract]:In recent years, the profit level of Chinese commercial banks has maintained a sustained and high growth trend, and this abnormal state of profitability of Chinese commercial banks has to arouse our high attention. We have to think about whether this kind of rapid growth is sustainable, whether the current profit model of commercial banks is sustainable, whether profitability is sustainable and whether there are hidden risks behind it. Therefore, it is of great practical significance to study the sustainable profitability of commercial banks. In this paper, the connotation of sustainable profitability of commercial banks is defined, and its theoretical analysis is carried out. Then the paper expounds the current situation of the profit model of commercial banks in our country, and compares it with the international advanced banks, and finds out the problems existing in the profit mode of commercial banks in our country. In the part of empirical research, this paper selects the financial data of 19 commercial banks from 2008 to 2012 as a sample, and constructs an index system to evaluate the sustainable profitability of Chinese and foreign commercial banks. And use factor analysis model for empirical analysis. The conclusion shows that there is a big gap between China's commercial banks and foreign banks in the sustainability of profitability. Capital security, asset quality and income structure are the main influencing factors of sustainable profitability. Finally, according to the conclusion of the study, this paper gives the relevant policy recommendations to improve the sustainable profitability of commercial banks in China, that is, to optimize the income structure and develop the intermediate business of the banks; Strengthen risk management, improve bank asset quality and capital safety, and constantly carry out financial innovation.
【學(xué)位授予單位】：天津外國(guó)語(yǔ)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F832.33;F831;F830.42

【共引文獻(xiàn)】

相關(guān)期刊論文 前2條

1 岳華;張曉民;;“金磚國(guó)家”銀行業(yè)合作發(fā)展在一條起跑線(xiàn)上嗎——基于SBM-SFA效率模型的經(jīng)驗(yàn)證據(jù)[J];北京聯(lián)合大學(xué)學(xué)報(bào)(人文社會(huì)科學(xué)版);2014年04期

2 方先明;蘇曉s

本文編號(hào)：2321574