商业银行盈利能力存在问题分析研究 财务管理专业VIP免费

商业银行盈利能力存在问题分析摘要在经济全球化背景下，外资银行在我国迅猛发展，为我国商业银行的经营带来了冲击，为了适应激烈的市场竞争，我国商业银行积极实施股份制改革，但与国外银行相比，盈利能力表现仍然差强人意。在我国的经济结构中，商业银行占据重要地位，作为资金融通的重要渠道，提升商业银行的盈利能力成为一项重要的研究课题。本文以商业银行盈利能力为研究对象，运用杜邦分析法，分析影响商业银行盈利能力的主要因素，并提出解决措施，以期帮助提升商业银行的盈利能力，保障商业银行的稳定发展。关键词：杜邦分析；商业银行；盈利能力AbstractUnderthebackgroundofeconomicglobalization,therapiddevelopmentofforeignbanksinChinahasbroughtimpactsontheoperationofChina'scommercialbanks.Inordertoadapttofiercemarketcompetition,China'scommercialbankshaveactivelyimplementedjoint-stockreforms,butcomparedwithforeignbanks,theperformanceofprofitabilityStillunsatisfactory.Inourcountry'seconomicstructure,commercialbanksoccupyanimportantposition.Asanimportantchannelforfinancing,improvingtheprofitabilityofcommercialbankshasbecomeanimportantresearchtopic.Thispapertakestheprofitabilityofcommercialbanksastheresearchobject,usesDuPontanalysis,analyzesthemainfactorsthataffecttheprofitabilityofcommercialbanks,andproposessolutionstohelpimprovetheabilityofcommercialbankstoensurethestabledevelopmentofcommercialbanks.Keywords:DuPontanalysis;commercialbank;profitability目录摘要...............................................................................................................................IAbstract..............................................................................................................................第1章绪论.................................................................................................................第1节研究意义.......................................................................................................第2节国内外研究现状...........................................................................................第3节研究内容.......................................................................................................第4节研究方法.......................................................................................................第2章商业银行盈利能力分析概述...............................................................................第1节杜邦分析体系概述.......................................................................................第2节商业银行盈利能力分析...............................................................................第3章影响商业银行盈利能力的原因分析...................................................................第1节信贷资产质量较差.......................................................................................第2节存款业务量较少...........................................................................................第3节成本管理较差...............................................................................................第4节资金利用率较低...........................................................................................第4章商业银行盈利能力提升的措施...........................................................................第1节加强不良贷款管理.......................................................................................第2节提高存款业务量以增加收益.............................................