摘要
中国上市商业银行盈利能力与业务结构紧密相关,论文从不同角度考察了商业银行的盈利能力,从资产负债业务结构的差异来分析商业银行盈利能力差异。由于目前国内各商业银行在大多数组织结构和运营模式上大同小异,决定一个商业银行盈利能力的关键可能在于其业务结构的差异。反映商业银行盈利能力的指标主要包括平均资产回报率、平均股东权益回报率、净利差和利息收益率等指标,而成本收入比作为一类占营业收入百分比的指标也可以用来衡量商业银行的盈利能力,本文主要采取成本收入比率和净资产回报率作为考察变量。通过对中国部分上市商业银行业务结构与盈利能力研究,贷款行业结构、区域结构、产品类型结构和存贷款期限结构决定了商业银行的收入空间,而存款的期限结构,特别是3个月以内的活期存款比重对商业银行的成本有着至关重要的影响。
China listed commercial Banks profitability is closely related to their business structure.This paper research commercial bank profitability from different angles,analyze the profitability differences by assets and liabilities business structure differences.Now most of commercial banks have similar organizational structures and business model,the key point of their profitability is business structures.The major commercial bank＇s profitability indexes are ROA,ROE,NIM,NIS,etc,we also use cost/revenue ratio to measure commercial bank profitability as it presents a percentage of total operating income,in this paper,we use the cost/revenue ratio and ROA as the main index.According to the research of several china listed commercial banks＇ business structure and profitability：the loan industry structure,the regional structure of loan,product structure and the term structure of deposits and loans,which determine the revenue of commercial banks.Especially,the proportion of demand deposit in less 3 months has the significant impact on commercial bank cost.
出处
《技术经济与管理研究》
2012年第5期104-111,共8页
Journal of Technical Economics & Management
基金
海南省自然科学基金项目(项目编号:807060)
关键词
盈利能力
信贷行业
信贷区域
存款期限
贷款期限
Profitability
Credit industry
Credit area
The deposit period
Loan time limit
