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论文编号：	3630
作者编号：	2220100818
上传时间：	2011/11/4 15:31:04
中文题目：	齐鲁银行盈利能力研究
英文题目：	Research on the Profitability of Qilu Bank
指导老师：	赵伟
中文关键字：	关键词：齐鲁银行;盈利能力;杜邦分析;比率分析
英文关键字：	Key words: Qilu Bank;Profitability; DuPont Analysis;Ratio Analysis
中文摘要：	本文以齐鲁银行的盈利能力为研究对象，采用杜邦财务分析方法、财务比率分析方法以及结构分析方法针对齐鲁银行和其他股份制商业银行2001年至2009年的主要盈利性财务指标进行了分解分析，通过分析，发现我国股份制商业银行在2001以来在盈利能力方面发生的积极变化，并找出了导致这些变化的可能原因；另外，本文还选取了包括齐鲁银行在内的六家股份制商业银行进行盈利能力的分解分析。通过将齐鲁银行的各项财务指标进行分解并与其他股份制商业银行进行对比，找出齐鲁银行在盈利能力方面的差距，同时给出了相应的政策建议。在文章的结构上，文章首先是对选题的背景、意义以及研究方法进行了阐述；第二部分梳理了国内外相关的研究成果，并据此搭建了商业银行盈利能力研究的分析框架；文章第三部分和第四部分是本文的主体部分，通过选取合适的样本将齐鲁银行与我国其他股份制商业银行进行横向和纵向分析，找出每一类银行发展的特点和不足之处。第四部分运用杜邦分析法和结构资产负债表法重点分析了齐鲁银行及其他五家银行的财务数据，并有针对性地将重要指标进行了对比，试图发现齐鲁银行在盈利能力方面存在的优势和不足，以期为齐鲁银行的长期可持续发展提供些许借鉴。文章的第五部分得出了本文的研究结论并给出了相关的政策建议。
英文摘要：	This article takes the profitability of Qilu bank as research target. The methods of DuPont Analysis, financial ratio analysis as well as structure analysis are widely used in the article. We take these methods to probe the profitability of joint-stock commercial banks and regional joint stock commercial banks by using a variety of financial indexes which start from the year 2001 and end at 2009. By minutely dissecting, we draw some conclusions on joint stock commercial banks, some of them are positive and the others are negative. Furthermore, by finely choosing and analyzing regional joint-stock commercial banks which include Beijing bank, Nanjing bank and Qilu bank, we find the gap between Qilu bank and the other two and give some policy advices accordingly. The structure of the article are as follows. Firstly, it articulated the research background and its meanings, as well as the research methods. Then we grouped the achievements of other authors and established the frame of profitability research. The third and fourth chapters are the core parts of the research which grouped the commercial banks into tow categories, each of which included three representative banks. By analyzing their financial indexes horizontally and vertically, we discover their characters and defaults. The fourth chapter put the emphasis on data of Qilu Bank in recent two years and compared them with the other banks in order to disclose the advantages and disadvantages and give some advices respectively. The final part draw some insightful conclusions and put forward some policy suggests.
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