我国国有商业银行盈利能力影响因素的实证分析

Empirical Analysis on Impact Factors of Chinese State-owned Commercial Banks’Profitability

影响银行盈利能力的内部因素主要有风险、银行运营和业务等三大因素。另外,国家经济发展程度及市场结构等外部因素和银行规模均会对盈利能力产生影响。四大银行在未来的发展中要完善银行内部治理结构,改善经营管理的成本控制能力,重视银行零售业务的发展,发展中间业务与信用卡业务,加强创新能力和市场营销,提高抵御市场风险的能力。

There are risk, operations and business factors to affect bank profitability. In addition, the country’s economic development level and external factors such as market structure and bank size will impact on bank’s profitability. In the future the four major banks must improve the internal management structure and cost control ability, pay attention to the development of retail banking, develop intermediary business and credit card business, strengthen innovation ability and marketing, and raise the ability to withstand market risks.