中国商业银行盈利能力影响因素研究.docVIP

中国商业银行盈利能力影响因素研究 Analysis of the Factors Affecting the Profitability of Commercial Banks in China 朱子文 统计与应用数学学院统计学专业2009（1）班 2009710053 指导教师：李小胜 副教授 内容摘要：作为以营利为目的的金融机构，盈利能力是商业银行生存和发展的重要基础。但是由于我国现代经济发展起步较晚的原因，我国商业银行业在过去很长一段时间往往只把扩充银行资本量、扩大银行规模作为首要任务而忽略了对盈利能力的发展与提高。针对“我国商业银行盈利能力影响因素”这个问题，许多专家学者都进行了深入的研究，并得出了很多极具价值的研究成果。 本文以资产收益率（ROA）作为衡量银行盈利能力的指标，选取了国内10家具有代表性的商业银行2004年～2009年间的相关数据作为分析样本，对影响我国商业银行盈利能力的主要因素进行了分析。得到结论为：商业银行盈利能力与其权益资产率及国内经济状况呈正相关关系，与银行规模、银行信贷率及资产费用率呈负相关关系。最后根据分析结果对如何提高我国商业银行盈利能力提出相应的建议。 关键词：商业银行； 盈利能力；面板数据  Abstract: As to the financial institutions for the purpose of profit, profit ability is an important foundation for the survival and development of commercial banks. But due to a late start of modern economic development in China, Chinas commercial banks for a long time in the past often only to overcharge bank capital, expand the scale of banks as the primary task and ignore the development and improvement of profitability. According to the factors the profitability of Chinas commercial banks influence the problem, many experts and scholars have conducted in-depth research, and obtained many valuable research results. In this paper, return on assets (ROA) as a measure of bank profitability index, the paper selects 10 representative commercial banks in 2004 to 2009 years relevant data as sample for analysis on the main factors affecting the profitability of commercial banks in China are analyzed. The conclusion is: the correlation between the profitability of commercial banks and equity ratio and the domestic economic situation positively, negatively correlates with the size of the bank, the bank credit rate and asset cost rate. Finally, according to results of the analysis of how to improve the profitability of commercial banks in China and put forward the corresponding suggestion. 　　　 Keywords: Commercial Bank;Profitability;Panel data 目 录 1.引言 1 1.1研究意义 1 1.2我国商业银行现状 1 2. 文献综述 2 2.1我国学者对商业银行盈利能力的研究 2 2.2本文的研究特点 2 3. 指标的选取 3 3.1指标的选取原则 3 3.