2007年我国四大上市银行财务比率分析与建议

Analysis on the Financial Ratio of Chinese Four Major State-owned Listed Banks in 2007 and Some Suggestions

对我国四大国有上市银行2007年报进行财务比率分析,发现其经营业绩取得了超预期增长,综合竞争力迅速提高,偿债能力较为薄弱,盈利能力稳定增长,资产规模优势明显,资产质量不断改善,资本充足率显著提高。根据分析结果,从流动性、安全性和盈利性3个角度提出建议,为四大上市银行2007年以后的发展提供了参考。

Financial ratio analysis of the annual reports on four major state-owned listed commercial banks in China in 2007 reveals that the performance result of the four banks is beyond expectation, the comprehensive competitiveness power enhances quickly, debt paying ability is weaker, earning capacity is increased steadily, total asset value has clear advantages, assets quality improves continuously, and the capital adequacy ratio rises evidently, and based on the analysis results, puts forward some suggestions from the points of the liquidity, security and profitability to provide the reference for the future development of the four listed banks after 2007.