本文選題：上市商業(yè)銀行 + 盈利能力�。� 參考：《中國(guó)社會(huì)科學(xué)院研究生院》2012年碩士論文

【摘要】：商業(yè)銀行作為中國(guó)國(guó)民經(jīng)濟(jì)體系的基礎(chǔ)，，是否能夠良好的運(yùn)營(yíng)直接關(guān)系到國(guó)民經(jīng)濟(jì)其他行業(yè)的發(fā)展。2008年全球金融危機(jī)席卷而來(lái)，國(guó)外商業(yè)銀行出現(xiàn)并購(gòu)潮和倒閉潮等現(xiàn)象，我國(guó)商業(yè)銀行雖然所受影響有限，但是由此引發(fā)的全球金融監(jiān)管改革對(duì)我國(guó)金融業(yè)尤其是商業(yè)銀行業(yè)產(chǎn)生了深刻的影響。我國(guó)商業(yè)銀行近年來(lái)盈利水平保持持續(xù)高速增長(zhǎng)態(tài)勢(shì)，遠(yuǎn)超世界其他國(guó)家同行業(yè)水平和我國(guó)國(guó)民經(jīng)濟(jì)其他行業(yè)水平，面對(duì)復(fù)雜的國(guó)內(nèi)和國(guó)外經(jīng)濟(jì)金融局勢(shì)，中國(guó)商業(yè)銀行如此非常態(tài)盈利的狀態(tài)不得不引起我們的高度關(guān)注。長(zhǎng)期的非常態(tài)盈利會(huì)引爆眾多經(jīng)濟(jì)和社會(huì)問(wèn)題，更重要的是會(huì)影響其可持續(xù)性發(fā)展能力，這也對(duì)現(xiàn)今的商業(yè)銀行盈利模式提出了更高的要求。 文章在對(duì)商業(yè)銀行的理論和研究現(xiàn)狀闡述的基礎(chǔ)上，選取上市商業(yè)銀行為代表，首先對(duì)我國(guó)上市商業(yè)銀行不同階段、與其他行業(yè)以及國(guó)外商業(yè)銀行的盈利狀況進(jìn)行了橫向與縱向?qū)Ρ确治�；其次，以資產(chǎn)負(fù)債表和盈利指標(biāo)為參考，深入剖析我國(guó)上市商業(yè)銀行的盈利結(jié)構(gòu)及變化趨勢(shì)；隨后，本文分別以宏觀(guān)和微觀(guān)的視角，從經(jīng)濟(jì)發(fā)展方式的轉(zhuǎn)變、監(jiān)管規(guī)則的變化、會(huì)計(jì)準(zhǔn)則的變化和經(jīng)營(yíng)發(fā)展戰(zhàn)略的轉(zhuǎn)型四個(gè)層次對(duì)影響我國(guó)上市商業(yè)銀行盈利能力的因素進(jìn)行研究，得出了初步的分析結(jié)論：當(dāng)前歷史時(shí)期，我國(guó)商業(yè)銀行盈利表現(xiàn)出“兩高一非”，即高水平、高增長(zhǎng)、非常態(tài)的特點(diǎn)。最后，以商業(yè)銀行在國(guó)民經(jīng)濟(jì)中合理的戰(zhàn)略定位思考為依托，以盈利模式的轉(zhuǎn)變?yōu)榍腥朦c(diǎn)探討改善我國(guó)上市商業(yè)銀行盈利能力的對(duì)策，實(shí)現(xiàn)商業(yè)銀行可持續(xù)經(jīng)營(yíng)、規(guī)�；陌l(fā)展之路。
[Abstract]:As the foundation of China's national economic system, whether commercial banks can operate well or not is directly related to the development of other industries of the national economy. The global financial crisis of 2008 has brought about the tide of mergers and acquisitions and the tide of bankruptcy of foreign commercial banks. Although the influence of commercial banks in China is limited, the global financial supervision reform has a profound impact on China's financial industry, especially the commercial banking industry. In recent years, the profit level of commercial banks in our country has maintained a sustained and high growth trend, which far exceeds the level of the same industry in other countries in the world and other industries in our national economy. In the face of the complex economic and financial situation at home and abroad, The state of Chinese commercial banks making such abnormal profits has to arouse our high attention. Long-term abnormal profits will trigger a lot of economic and social problems, more importantly, will affect its sustainable development ability, which also put forward higher requirements to the current commercial bank profit model. On the basis of expounding the theory and research status of commercial banks, this paper selects listed commercial banks as the representative, first of all, on the different stages of listed commercial banks in China. Compared with other industries and foreign commercial banks, the paper makes horizontal and vertical comparative analysis. Secondly, taking balance sheet and profit index as reference, the paper deeply analyzes the profit structure and changing trend of listed commercial banks in China. From the macro and micro perspectives, this paper studies the factors that affect the profitability of listed commercial banks in China from four levels: the transformation of economic development mode, the change of supervision rules, the change of accounting standards and the transformation of business development strategy. This paper draws a preliminary conclusion: in the present historical period, the commercial banks' profits in our country show the characteristics of "two high and one no", that is, high level, high growth, and abnormal characteristics. Finally, based on the rational strategic orientation thinking of commercial banks in the national economy and the transformation of profit mode as the starting point, the paper discusses the countermeasures to improve the profitability of listed commercial banks in China, so as to realize the sustainable operation of commercial banks. The way to make a profit on a large scale.
【學(xué)位授予單位】：中國(guó)社會(huì)科學(xué)院研究生院
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類(lèi)號(hào)】：F832.2

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本文編號(hào)：1981994