地方法人银行利润质量评价研究——以通化市为例

Research on Profit Quality Evaluation of Local Legal Person Banks——Taking Tonghua City in Jilin Province as an Example

面对金融脱媒,利率市场化,结构性去杠杆的压力,对银行业寻找稳定的利润来源提出了挑战,尤其是地方法人银行,基于其经营规模较小,抗风险能力较低,金融监管者将重点关注其利润质量,并将利润质量作为未来地方法人金融机构发展能力的有力依据。本文以通化市为例,选取全辖13家地方法人机构为样本,对整体利润质量现状进行分析,并运用因子分析方法对机构利润质量评价体系进行研究,在评价结果分析中为经营者管理地方法人金融机构提供参考价值,最后对如何提高利润质量提出建议。

Faced with the pressure of financial disintermediation,interest rate marketization and structural deleveraging,it is a challenge for the banking industry to find a stable source of profits,especially for the local corporate banks,whose profit quality will become the focus of attention of financial regulators and stakeholders,and will also become a powerful basis for predicting the development ability of banks.Taking Tonghua City as an example,this paper selects 13 local legal institutions under the jurisdiction of Tonghua City as the sample to analyze the current situation of the overall profit quality,and uses the method of factor analysis to study the evaluation system of the profit quality of the institutions.In the analysis of the evaluation results,it provides help for the decision-making of the operators,and has certain reference value for the local banks’operation and management.Finally,it puts forward some suggestions on how to improve the profit quality Make suggestions.