摘要

盈利能力是企业存活的根基。随着我国资本市场的不断完善，我国上市商业银行存贷款客户不断被分流，上市商业银行的运营遭到很大的影响，这就要求深入剖析上市商业银行盈利能力。本文中选取了四家上市商业银行作为研究的对象；运用理论分析与实证分析相结合、比较分析与归纳分析相结合的方法对其进行盈利能力及影响因素分析。选取了2010-2014年上市商业银行的财务数据，分别从行业层面因素、宏观环境因素和银行自身因素三个方面对银行盈利能力进行了全面系统的分析，结果发现：行业层面中的市场集中度与盈利能力呈负相关，市场份额与盈利能力呈正相关；宏观环境中的国内生产总值和通货膨胀率与盈利能力呈正相关；银行自身中的收入成本比与盈利能力呈负相关。针对这些影响因素，相应地提出了一些提高上市商业银行盈利能力的措施。

关键词：上市商业银行；盈利能力；实证分析

ABSTRACT

Profitability is the basic ability of enterprise survival. With the continuous improvement of China’s capital market, China listed commercial bank deposit and loans to customers continued to be diverted, the listed commercial banks operating under great impact, which requires analysis of listed commercial banks’ profitability. This paper selects four listed commercial banks as the research object. Using theoretical analysis and empirical analysis combination, comparative analysis and inductive analysis method combining the for profitability analysis. The financial data of listed commercial banks in 2010-2014 were analyzed. The profitability of the listed commercial banks, to discover the relationship between bank profitability and industry level factors and macro environment factors and the bank’s own factors, explore the existing problems, and then puts forward the measures to improve the listed commercial banks’ profitability, the existing listed commercial banks has a certain practical significance.

KeyWords: Listed commercial bank; Profitability; Empirical analysis

诚信声明……………………………………………………………………………………………………………….. I

摘要…………………………………………………………………………………………………………………… II

ABSTRACT…………………………………………………………………………………………………………. III

第一章 绪论…………………………………………………………………………………………………. 1

1.1 选题背景与选题意义……………………………………………………………………………………. 1

1.1.1 选题背景……………………………………………………………………………………………. 1

1.1.2 选题意义……………………………………………………………………………………………. 1

1.2 国内外研究综述…………………………………………………………………………………………… 2

1.2.1 国外研究综述…………………………………………………………………………………….. 2

1.2.2 国内研究综述…………………………………………………………………………………….. 2

1.2.3 简要的评价………………………………………………………………………………………… 3