中国商业银行盈利能力影响因素研究.docxVIP

中国商业银行盈利能力影响因素研究 Analysis of the Factors Affecting the Profitabilityof Commercial Banks in Chi na 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, expa nd the scale of banks as the primary task and ignore the developme nt and improveme nt of profitability. Accord ing to the factors the profitability of Chi nas commercial banks in flue nee the problem, many experts and scholars have con ducted in-depth research, and obta ined many valuable research results. In this paper, retur n on assets (ROA) as a measure of bank profitability in dex, the paper selects 10 represe ntative commercial banks in 2004 to 2009 years releva nt data as sample for an alysis on the main factors affecting the profitability of commercial banks in China are analyzed. The conclusion is: the correlati on betwee n the profitability of commercial banks and equity ratio and the domestic econo mic situati on positively, n egatively correlates with the size of the bank, the bank credit rate and asset cost rate. Fin ally, accord ing to results of the an alysis of how to improve the profitability of commercial banks in China and put forward the corresp onding suggesti on. Keywords: Commercial Ban k;Profitability;Pa nel data TOC \o 1-5 \h \z 引言 1 1.1研究意义 1 1.2 我国商业银行现状 1 文献综述 2 2.1我国学者对商业银行盈利能力的研究 2