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论文编号：	6952
作者编号：	2120123016
上传时间：	2014/12/8 21:04:55
中文题目：	国有商业银行盈利模式研究
英文题目：	The Study of the State-owned commercial banks’ profit model
指导老师：	薛有志
中文关键字：	宏观环境;盈利能力;盈利模式;业务创新
英文关键字：	Macro-environment; Profitability;Profit-model;Business innovation
中文摘要：	银行业在一国的经济中起着举足轻重的作用，当今世界银行业的竞争日趋激烈，而我国国有商业银行应该选择何种盈利模式，才能适应当前面临的宏观环境以及提升其盈利能力与国际竞争力，对我国国有商业银行乃至我国都是至关重要与紧迫的问题。 论文首先分析了我国国有商业银行面临的利率市场化、金融脱媒和来自外资银行与股份制银行的竞争三方面宏观环境，这三面环境都给我国国有商业银行以传统的存贷款利差为主的盈利模式带来巨大挑战。然后，本文将我国国有商业银行与国外先进银行线性盈利模型进行分析，认为当前我国国有商业银行必须转变现有的盈利模式。进一步，由于商业银行的最终目的是赚取利润，盈利模式是为其盈利能力服务的，因此论文针对我国国有商业银行现行的以存贷款利差为主的盈利模式，从通过提高手续费及佣金净收入占比与非利息收入占比，以及提高净利息收入增长率、非利息收入增长率以及手续费及佣金净收入增长率等方面提出了基于利差与非利差并重的资产业务、负债业务、中间业务与表外业务的业务创新举措以及相关的保障措施。 本文认为我国国有商业银行的创新能力不足，非利息收入占比及手续费及佣金净收入占比较低以及增长率较低，而这些不足需要通过基于利差与非利差的业务创新和制度保障两方面进行解决。
英文摘要：	The banking sector in a country's economy plays an important role in today's increasingly competitive banking world. To adapt to the current macro environment facing and improve their profitability and international competitiveness, our state-owned commercial banks should choose what kind of profit model are critical and pressing issues for not only themselves but also our country. This paper analyzes China's state-controlled commercial banks exposure to interest rate market, financial disintermediation, and foreign banks and joint-stock banks from competition in three macro-environment, which gave the three sides of the environment in China's state-owned commercial banks as traditional deposit and loan spreads Lord of the profit model huge challenges Then, this article compared China's state-owned commercial banks and foreign banks advanced linear profit model for analysis, that the current China's banks must change the existing profit model. Further, since the ultimate goal of commercial banks is to make a profit, the profit model is the profitability of its services, so thesis of the existing state-owned commercial banks to deposit and loan spreads based profit model, by raising fees and from commission income and non-interest income accounted for, as well as to improve the rate of growth in net interest income and non-interest income growth as well as growth in fee and commission income and other aspects of the business assets and non-interest rate spreads on both of liability business, business innovation initiatives among business and sheet business and related safeguards. This paper argues that our ability to innovate lack of state-owned commercial banks, the lower the proportion of non-interest income and fee and commission income accounted for and lower growth rates, and these deficiencies through innovation and institutional spread-based business and non spreads protection two aspects to solve.
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