在現(xiàn)有的文獻(xiàn)中,對(duì)于美國(guó)兩類銀行:經(jīng)營(yíng)良好的銀行和經(jīng)營(yíng)不善以致破產(chǎn)的銀行的關(guān)鍵內(nèi)在特征已經(jīng)有了較為詳盡的研究說明,這對(duì)于兩類銀行的有效風(fēng)險(xiǎn)管理防控都是至關(guān)重要的。最近的分析數(shù)據(jù)也揭示了銀行業(yè)在經(jīng)濟(jì)上行和經(jīng)濟(jì)下行時(shí)期的總體情況。研究人員還完成了一系列相關(guān)的文獻(xiàn)綜述部分,包括各種相關(guān)理論,可以解釋銀行的凈資產(chǎn)、利潤(rùn)率和美國(guó)銀行良好經(jīng)營(yíng)以及經(jīng)營(yíng)不善以致破產(chǎn)的關(guān)鍵因素。考慮到研究的穩(wěn)定性和可持續(xù)性,本文將研究的重點(diǎn)放在決定銀行盈利能力的內(nèi)部因素上。構(gòu)建線性回歸模型,利用E-views軟件,首先對(duì)變量進(jìn)行了描述性統(tǒng)計(jì)分析,隨后解決了多重共線性以及異方差的問題,通過對(duì)美國(guó)兩類銀行的比較研究,我們發(fā)現(xiàn):銀行規(guī)模對(duì)銀行盈利能力的影響不顯著,擁有良好資本的銀行也有可能走向破產(chǎn)。美國(guó)銀行存款基金的可用性不強(qiáng),導(dǎo)致其盈利能力較弱,同時(shí),美國(guó)銀行的信用風(fēng)險(xiǎn)管理存在不足,盈利能力的欠缺最終會(huì)導(dǎo)致破產(chǎn)。 

【文章來源】：東北財(cái)經(jīng)大學(xué)遼寧省

【文章頁數(shù)】：74 頁

【學(xué)位級(jí)別】：碩士

【文章目錄】：
Dedication
acknowledgements
abstract
摘要
Abbreviations
Chapter 1 Introduction
    1.1 Background of the Study
    1.2 Research Problem
    1.3 Methodology
    1.4 Objectives of the study
    1.5 The significance of the study
    1.6 Organization of the Study
Chapter 2 Evolution of U.S Banking System
    2.1 A Brief History of U.S.banking
    2.2 A history of bank failures in the United States
Chapter 3 Literature Review
    3.1 Theories on the profitability of the bank
        3.1.1 The theory of efficiencyPareto Efficiency
        3.1.2 Market-power theories
    3.2 Previous literature
Chapter 4 Methodology
    4.1 Research Approach
    4.2 Design of the study
    4.3 Sampling and sample size
    4.4 Depended and Independent variables
        4.4.1 Dependent variable
        4.4.2 Independent Variables
    4.5 Data Analysis methods
Chapter 5 Empirical Study
    5.1 Analysis of sound banks
        5.1.1 Descriptive statistics
        5.1.2 Correlation
        5.1.3 Heteroskedasticity Test
        5.1.4 Regression Analysis
    5.2 Analysis of failed banks
        5.2.1 Descriptive analysis
        5.2.2 Correlation
        5.2.3 Heteroskedasticity test
        5.2.4 Regression analysis
    5.3 Comparison between sound and failed bank profitability
Chapter 6 Summary & Conclusion
    6.1 Summary
    6.2 Conclusion
    6.3 Future scope of the study
    6.4 Limitation of the study
References
Appendix



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