中国工商银行盈利能力分析及提升策略研究.doc

PAGE III PAGE I 中国工商银行盈利能力分析及提升策略研究 摘要：随着我国全球经济的迅速发展，银行业的发展也取得了长足的进步。国外一些银行也开始进入我国的金融市场，这对于我国银行的经营发展来说带来了较大的压力。对于我国金融业的稳定来说，促进银行核心竞争力的提升是十分重要的。本文所研究的中国工商银行是我国的四大商业银行之一。本文重点分析了工商银行的盈利能力，同时对影响其盈利能力的因素进行了详细的分析，最后提出了提升工商银行盈利能力的对策与建议。 在本文的研究中，首先分析了本文的研究背景和意义，介绍了国内外研究现状，同时阐述了本文的研究内容与方法。随后，本文分析了商业银行盈利能力的概念、内容、分析方法和分析意义。紧接着，本文分析了中国工商银行的概况。这部分介绍了我国银行业发展现状、中国工商银行的发展现状以及面临的主要风险。再次，本文分析了中国工商银行盈利能力，在选择了盈利能力分析指标之后，使用杜邦分析法对工商银行的盈利能力进行了分析。通过本文的研究发现，在稳定性方面，采用国家监管要求指标和自我风险控制指标两种指标进行分析。最后得出了影响我行盈利能力的因素，如总资产、成本收益比等。然后总结了我行盈利能力存在的不足，并提出了提高我行盈利能力的建议：合理控制资产规模，合理处置不良贷款，大力发展中间业务，提高经营效率以及注重开发用户为导向的产品创新。 关键词：工商银行 盈利能力 措施 提升 Analysis on the Profitability and Promotion Strategy of Industrial and Commercial Bank of China Abstract: With the rapid development of Chinas global economy, the development of banking industry has also made considerable progress. Some foreign banks have begun to enter the financial market of our country, which brings great pressure to the operation and development of our banks. For the stability of Chinas financial industry, it is very important to promote the core competitiveness of banks. Industrial and Commercial Bank of China is one of the four major commercial banks in China. This paper focuses on the analysis of the profitability of industrial and Commercial Bank of China, at the same time, it analyzes the factors that affect its profitability in detail, and finally puts forward the countermeasures and suggestions to improve the profitability of industrial and Commercial Bank of China. In the research of this paper, firstly, it analyzes the research background and significance of this paper, introduces the research status at home and abroad, and expounds the research content and methods of this paper. Then, this paper analyzes the concept, content, method and significance of commercial banks profitability. Then, this paper analyzes the general situation of industrial and Commercial Bank of China. This part introduces the current situation of the development