我国城市商业银行盈利能力影响因素及对策研究

Research on the Influencing Factors and Countermeasures of the Profitability of Urban Commercial Banks in China

近年来,我国城市商业银行资产和负债规模稳步增长、风险抵补能力较为充足、流动性水平保持稳健、信贷资产质量保持平稳。影响城市商业银行盈利能力的内部因素包括经营风险、银行规模、银行X效率、银行创新能力、银行盈利水平;影响城市商业银行盈利能力的外部因素包括宏观经济状况、政策因素。可从改善资产质量,提升资本实力,加强成本控制,提高经营效率,加快业务创新,优化收入结构,积极应对宏观环境的变化等方面着手,不断提高城市商业银行盈利能力。

China’s urban commercial banks have made important contributions to the development of local economy.In recent years,the scale of assets and liabilities of China’s urban commercial banks has steadily increased,the ability to offset risks is relatively adequate,the liquidity level has remained stable,and the quality of credit assets has remained stable;the internal factors affecting the profitability of urban commercial banks include operational risk,bank size,bank X efficiency,bank innovation ability and bank profitability;and the profitability of urban commercial banks has been affected.External factors include macroeconomic conditions and policy factors.We can improve the profitability of city commercial banks by improving asset quality,enhancing capital strength,strengthening cost control,improving operational efficiency,speeding up business innovation,optimizing income structure and actively responding to changes in macroeconomic environment.