本文選題：上市商業(yè)銀行 + 利潤(rùn)　； 參考：《華中師范大學(xué)》2012年碩士論文

【摘要】：對(duì)上市商業(yè)銀行利潤(rùn)影響因素相關(guān)的研究較多,國(guó)內(nèi)外學(xué)者分別從商業(yè)銀行內(nèi)部經(jīng)營(yíng)管理,行業(yè)管理,金融市場(chǎng),宏觀經(jīng)濟(jì)發(fā)展等方面進(jìn)行了專(zhuān)題研究,并通過(guò)計(jì)量經(jīng)濟(jì)學(xué)模型,實(shí)證分析了這些因素對(duì)上市商業(yè)銀行利潤(rùn)的影響程度,從國(guó)內(nèi)外相關(guān)研究結(jié)果看,影響上市商業(yè)銀行利潤(rùn)的因素較多,本文從上市商業(yè)銀行的經(jīng)營(yíng)管理,行業(yè)管理和上市商業(yè)銀行所處的宏觀經(jīng)濟(jì)發(fā)展環(huán)境進(jìn)行了分析,通過(guò)歸納總結(jié)上市商業(yè)銀行的經(jīng)營(yíng)管理實(shí)踐,中國(guó)人民銀行、中國(guó)銀行業(yè)監(jiān)督管理委員會(huì)、中國(guó)證券監(jiān)督管理委員會(huì)等商業(yè)銀行管理部門(mén)的歷史管理實(shí)踐,以及國(guó)家宏觀經(jīng)濟(jì)發(fā)展過(guò)程,具體分析了這三個(gè)層面是如何影響上市商業(yè)銀行利潤(rùn)。在具體指標(biāo)選擇上,通過(guò)廣撒網(wǎng)、窄聚焦的方式選擇了三個(gè)層面的典型性代表指標(biāo),即存款,貸款和手續(xù)費(fèi)及傭金凈收入從商業(yè)銀行經(jīng)營(yíng)管理微觀層面上影響銀行的凈利潤(rùn),資本充足率,不良貸款率,存貸比,撥備覆蓋率,銀行間市場(chǎng)同業(yè)拆借利率,貨幣供應(yīng)量從商業(yè)銀行行業(yè)管理的中觀層面影響上市商業(yè)銀行凈利潤(rùn),國(guó)民生產(chǎn)總值,居民消費(fèi)價(jià)格指數(shù)從宏觀經(jīng)濟(jì)發(fā)展層面影響上市商業(yè)銀行凈利潤(rùn),本文搜集整理了這些指標(biāo)相應(yīng)的時(shí)間序列季度數(shù)據(jù),運(yùn)用多元回歸分析方法,分別從三個(gè)層面進(jìn)行了多元回歸分析,模型結(jié)果顯示,不同的上市商業(yè)銀行受這些指標(biāo)的影響程度不同,不同類(lèi)型的上市商業(yè)銀行受這些指標(biāo)的影響程度也不同,針對(duì)回歸模型結(jié)果,本文就上市商業(yè)銀行如何加強(qiáng)經(jīng)營(yíng)管理,如何適應(yīng)行業(yè)管理,如何在宏觀經(jīng)濟(jì)發(fā)展中不斷壯大提出了相關(guān)的對(duì)策和建議。
[Abstract]:There are many researches on the factors related to the profit of listed commercial banks. Scholars at home and abroad have carried out special research on the internal management of commercial banks, industry management, financial markets, macroeconomic development and so on. Through econometrics model, this paper empirically analyzes the influence of these factors on the profits of listed commercial banks. From the results of relevant research at home and abroad, there are many factors that affect the profits of listed commercial banks. This paper analyzes the management of listed commercial banks, the industry management and the macroeconomic development environment of listed commercial banks, and summarizes the management practices of listed commercial banks, the people's Bank of China, the people's Bank of China, The historical management practices of the regulatory departments of commercial banks such as the China Banking Regulatory Commission and the China Securities Regulatory Commission, as well as the national macroeconomic development process, This paper analyzes how these three levels affect the profits of listed commercial banks. In the selection of specific indicators, through a wide network, narrow focus of the way to select three typical indicators, namely deposits, loans and fees and commission net income from the commercial bank management micro-level impact on the net profit of the bank. Capital adequacy ratio, non-performing loan ratio, deposit / loan ratio, reserve coverage rate, interbank lending rate in the interbank market and money supply affect the net profit and gross national product of listed commercial banks from the middle level of commercial bank industry management. The consumer price index affects the net profit of listed commercial banks from the macro economic development level. This paper collects and collates the corresponding time series quarterly data of these indicators, and applies the method of multiple regression analysis. The results show that different listed commercial banks are affected by these indicators to different extent, and different types of listed commercial banks are affected by these indicators. According to the results of regression model, this paper puts forward some relevant countermeasures and suggestions on how to strengthen the management of listed commercial banks, how to adapt to the industry management, and how to expand continuously in the macroeconomic development.
【學(xué)位授予單位】：華中師范大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類(lèi)號(hào)】：F832.33;F830.42

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