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ID:49823106
大小:1.68 MB
页数:50页
时间:2020-03-04
《我国中小上市银行盈利能力研究——基于11家上市银行2007-2013年面板数据.pdf》由会员上传分享,免费在线阅读,更多相关内容在学术论文-天天文库。
1、AbstractInrecentyears,withtheeffectsofthesubprimemortgagecrisisandtheEuropeandebtcrisiscontinuing,aswellasthedeepeninggraduallyofinterestrateliberalizationandfinancialregulation,themacro-economicgrowthrateinChinaisslowingdown.Thebankingsectorinparticularmedium-smallcommercialbanksar
2、esubjectedtogreaterrisksandprofitabilitypressures.Facedwiththisgrimfinancialsituationandtherealityoftheeconomicdownturn,itisaquiterealisticandobviouslyworthresearchingproblemthatwhethermedium-smallcommercialbanksasanimportantcomponentofbankingindustrycouldassessthesituationaccuratel
3、yandadjusttheoperationstrategiesactivelytosolvethevariousproblemsthatcurrentlyexist,andconstantlyimproveandoptimizethecorporategovernancestructuretoachievesustainablegrowthinprofitabilityandenhanceinternationalcompetitivenessandinfluence.ThispaperstartedwiththebackgroundofInterestra
4、teliberalization,andanalyzedprofitabilitysustainabilityofMedium-Smalllistedbanksfromthebankcrisistheory,scaleeconomytheory,financialinnovationtheoryandindustrialorganizationtheory.ThepaperthenintroducedthecurrentoperatingsituationofChina'slistedMedium-Smallcommercialbanksfrominteres
5、trateliberalization.Intheempiricalanalysispart,thispaperselected11listedcommercialbanksduringtheperiodof2007to2013assamplesandsetuppaneldatamodelwithEviews6.0software.Theresultsindicatedthatassets,costincomeratio,marketconcentration,capitaladequacyratio,provisioncoverageratiohadsign
6、ificanteffectsonmedium-smallbanks'profitability.However,netincomeoffeesandcommissionsratio,marketshareandGDPgrowthratehadfailedtopassthetestofsignificance.Thepaperdrewtheconclusion:Expandingtheratioofnon-interestoperatingincomewillbetheenhancementofmedium-smallsizedlistedbanksprofit
7、abilityofnewgrowthpoints.Changingprofitmodelandstrengtheningcostconformityareoneoftheeffectivewaystoimprovethelevelofprofitability.ThenimprovingassetqualityandputtingonmoreeffortstoexpandmarketsharealsoareaneffectiveprotectionforstabledevelopmentofChina'smedium-smallsizedlistedbanks
8、.Inaddition,agoodec
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