国有银行盈利能力影响因素分析

An Analysis of Factors Influencing the Profitability of China's State-owned Banks

商业银行盈利能力始终是衡量和判断其在行业中竞争力的主要标准之一,也是商业银行能否扩大规模,提高影响力的决定性因素,追求盈利能力不断增长是每个商业银行的追求。随着全球化和国际化发展,我国国有银行受到的冲击逐渐增大,分析影响我国国有银行盈利能力因素并对提高盈利能力提出对策显得尤为重要。立足2007—2016年我国四大国有银行实际发展状况,确定其盈利能力这一切入点,逐步找出影响其盈利能力的主要指标并对其实证分析。在查阅大量文献资料基础上,通过理论分析找出影响我国国有商业银行盈利能力因素,通过Eviews软件面板数据模型对影响因素进行实证分析,并根据模型数据进行总结,确定其影响因素,进而对影响我国国有银行盈利能力单个分析,最后通过分析数据对提高国有商业银行盈利能力提出建议。

The profitability of commercial banks is always one of the main criteria for measuring and judging the level of competitiveness in the industry. It is also the key factor in deciding whether the commercial banks can expand the capital scale and improve their influence. Seeking profitability is every commercial bank’s pursuit. With the development of globalization and internationalization,the impact on state-owned banks has gradually increased. It is very important to study and analyze the profitability of state-owned banks and to put forward measures to improve their profitability. Based on the actual development of China’s four major state-owned banks in 2007—2016,this paper takes the profitability as the starting point and gradually finds out the main indicators that affect its profitability and carries out an empirical analysis. On the basis of a large volume of literature,this paper probes into the profitability factors that influence state-owned commercial banks,and an empirical analysis of the influencing factors is carried out by way of Eviews software panel data model,through which a summary is drawn according to the model data. Thus advice is put forward concerning how to improve the profitability of state-owned commercial banks.