發(fā)布時間：2018-11-09 07:17

【摘要】：銀行作為國民儲蓄與社會生產(chǎn)消費的媒介,其行業(yè)興衰不僅預示著國家經(jīng)濟的起伏,更對后者的發(fā)展起著極為重要的推動作用。我國商業(yè)銀行現(xiàn)在正面臨著利率市場化進程和互聯(lián)網(wǎng)金融興起的雙重考驗,四大國有商業(yè)銀行實現(xiàn)盈利能力持續(xù)增長面臨著巨大困難。 論文從四大國有商業(yè)銀行的現(xiàn)有業(yè)務構成入手分析。選取了美國銀行、摩根大通銀行、匯豐銀行、德意志銀行、三菱東京日聯(lián)銀行作為境外大型商業(yè)銀行代表,分析其業(yè)務構成并與四大國有商業(yè)銀行進行比較。 然后對四大國有商業(yè)銀行的利潤結(jié)構及盈利能力變化趨勢進行分析,得出結(jié)論：存貸款業(yè)務貢獻占總收入比重十分高,同時與其相關聯(lián)的業(yè)務也貢獻了較多利潤,而其他業(yè)務相對貢獻占總收入比重較小。而后分析了未來影響四大國有商業(yè)銀行盈利能力的因素,主要包括政策因素、競爭因素和成本因素,如果四大國有商業(yè)銀行保持現(xiàn)有業(yè)務結(jié)構不變,則其盈利能力肯定會降低。 最后是探討如何通過業(yè)務調(diào)整與管理創(chuàng)新來實現(xiàn)四大國有商業(yè)銀行財務指標的持續(xù)改善,方法措施主要可以歸結(jié)為以下三點：豐富中間業(yè)務合理調(diào)整業(yè)務結(jié)構,開展管理創(chuàng)新降低運營成本,提高服務質(zhì)量及效率。
[Abstract]:As the medium of national savings and social production and consumption, the rise and fall of banking industry not only foreshadow the ups and downs of national economy, but also play an extremely important role in promoting the development of the latter. China's commercial banks are now facing the double test of interest rate marketization process and the rise of Internet finance. The four state-owned commercial banks are faced with great difficulties in realizing the sustained growth of profitability. This paper starts with the analysis of the existing business structure of the four major state-owned commercial banks. Bank of America, JPMorgan Chase Bank, HSBC Bank, Deutsche Bank and Mitsubishi Tokyo Japan Union Bank are selected as representatives of large foreign commercial banks to analyze their business composition and compare them with the four major state-owned commercial banks. Then it analyzes the trend of profit structure and profitability of the four state-owned commercial banks, and concludes that the contribution of deposit and loan business to total income is very high, and the related business also contributes a lot of profits. And other business relative contribution accounts for gross income proportion is smaller. Then it analyzes the factors that affect the profitability of the four state-owned commercial banks in the future, including policy factors, competition factors and cost factors. If the four state-owned commercial banks keep their existing business structure unchanged, their profitability will definitely be reduced. Finally, it discusses how to realize the continuous improvement of the financial index of the four state-owned commercial banks through business adjustment and management innovation. The methods and measures can be summarized as follows: enriching the intermediate business to adjust the business structure rationally. Develop management innovation to reduce operating costs and improve service quality and efficiency.
【學位授予單位】：財政部財政科學研究所
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.2

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