银行业上市公司投资价值分析分解.doc

目 录 摘要 1 关键词 1 一、前言 2 二、我国银行业发展现状 3 三、我国宏观经济形势 4 四、财务指标分析 4 （一）盈利性分析 5 （二）流动性分析 5 （三）安全性分析 6 （四）招商银行财务指标分析 9 五、市盈率分析 9 六、总结 10 文献资料 11  银行业上市公司投资价值分析 学生姓名：彭华超 专业名称：金融学 指导教师：曾宇平 教学单位：经济与管理学院 摘要：银行做为国民经济的核心枢纽，其中上市银行又是银行业中的绝对力量，对经济能够产生不可估量的效应。随着我国资本市场的不断发展成熟，银行业上市公司的投资价值逐渐显现。近来银行业又面对利率市场化的调整，流动性趋紧，影子银行和互联网金融的竞争冲击，我国的几大上市的银行股面临“破净”的尴尬局面。投资者对银行业未来的投资价值又如此的缺乏信心，势必在资本市场上对银行股造成不利的影响。那么，如何在复杂的宏观和微观因素的影响下去正确的分析我国的银行业的投资价值？如何在投资过程中保持理，从而选择正确的评估甄选方法变得尤为重要投资者的理性的投资方式逐渐取代非理性的投资方式。就目前而言，国内的分析方法的研究多种多样。本文依据价值学派的研究方法，从16家上市银行的宏观形势和微观数据出发，结合我国银行业的整体状况，选取流动性、盈利性、安全性、成长性等方面的指标来考察我国银行业上市公司的市场价值，从而希望给出一个投资者一个合理的投资建议。 关键词：上市银行 宏观经济形势 财务指标 市盈率 Abstract：Bank as the core hub of the national economy , which is listed banks in the absolute power of the banking sector , the economy can produce incalculable effects. With the continuous development of Chinas capital market matures, the investment value of listed companies in the banking industry is gradually emerging . Recently, the banking industry is faced with market-oriented interest rate adjustment , the impact of competitive liquidity tightening, shadow banking and internet banking , Chinas largest listed bank shares faced several clean break embarrassing situation . Investors in the future value of the investment banking and such a lack of confidence in the capital markets is bound to have an adverse impact on the banking sector . So, how complex macro and micro factors that influence the value of investments to go correct analysis of Chinas banking industry ? How to keep management in the investment process , thereby selecting the correct assessment of selection methods become rational investors investment approach is particularly important to gradually replace irrational investment. For now, the study of the domestic variety of analytical methods . In this paper, the value of school based r