發(fā)布時間：2018-11-09 21:12

【摘要】：近幾年來，我國商業(yè)銀行盈利水平保持著持續(xù)高速增長的態(tài)勢，中國商業(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注。我們不得不思考這種高速增長是否具有可持續(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險。因此對于商業(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)實意義。 本文首先對商業(yè)銀行可持續(xù)盈利能力的內涵進行了界定，并對其進行了理論分析。接下來對我國商業(yè)銀行的盈利模式現(xiàn)狀進行了闡述，并與國際先進銀行進行比較，發(fā)現(xiàn)了我國商業(yè)銀行盈利模式存在的問題。 在實證研究部分，，本文選取了2008年一2012年的國內外19家商業(yè)銀行的財務數(shù)據(jù)作為樣本，構建出評價中外商業(yè)銀行可持續(xù)盈利能力的指標體系，并運用因子分析模型進行了實證分析。結論表明：我國商業(yè)銀行在盈利能力可持續(xù)性方面與國外銀行還有較大差距，資本安全、資產(chǎn)質量和收入結構是持續(xù)盈利能力的主要影響因素。最后本文根據(jù)研究結論給出提高我國商業(yè)銀行可持續(xù)盈利能力的相關政策性建議，即優(yōu)化收入結構，發(fā)展銀行中間業(yè)務；加強風險管理,提高銀行資產(chǎn)質量和資本安全，并不斷進行金融創(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.
【學位授予單位】：天津外國語大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.33;F831;F830.42

【共引文獻】

相關期刊論文 前2條

1 岳華;張曉民;;“金磚國家”銀行業(yè)合作發(fā)展在一條起跑線上嗎——基于SBM-SFA效率模型的經(jīng)驗證據(jù)[J];北京聯(lián)合大學學報(人文社會科學版);2014年04期

2 方先明;蘇曉s

本文編號：2321574