基于资产负债结构的城市商业银行竞争力分析
发布时间：2019-05-12 04:26
【摘要】：城商行作为我国商业银行系统的重要组成部分,近年来在服务城乡居民、服务中小企业、服务地方经济方面发挥着越来越重要的作用。然而如何提升自己的竞争力以更好的姿态服务城乡居民是目前大多数城商行面临的问题,而从多种渠道获取低成本资金并将其配置在收益较高的资产上成为城商行提升竞争力的关键,这正体现为城商行不同的资产结构和负债结构。文章着眼于从资产结构和负债结构这一视角来探讨其对城商行盈利能力的影响。首先对商业银行竞争力的理论基础进行了梳理,并对国内外关于商业银行竞争力的研究进行了概括总结;其次从全国133家城商行中选择发展水平较高、信息披露较为充分的45家城商行作为样本行,从整体发展状况、资产负债结构、收入结构三方面对样本行的发展现状进行了总结。最后以45家城商行为样本建立了因子分析模型,通过提取公因子,探讨了不同的资产构成、负债构成对城商行竞争力的影响大小。具体来看,文章共有五章,第一章为引言,阐述了文章选题的背景以及理论意义和实践意义。第二章总结了城商行竞争力的理论基础,以及城商行资产管理、负债管理相关的理论基础,并在此基础上,梳理了国内外关于城商行竞争力研究的文献,说明了本位写作在理论上的借鉴和参考。第三章从整体状况、资产负债结构、收入结构三个方面总结了城商行的发展现状,归纳了城商行资金来源和资产配置的特征,从理论上分析总结了城商行资产结构、负债结构对竞争力产生的影响,为第四章计量模型的建立奠定了基础。第四章通过建立计量模型,运用因子分析的方法,探究了资产结构、负债结构对城商行竞争力的影响。第五章是对文章的总结和结论的归纳,并从资产配置和负债资金来源两方面提出了城商行提高自身竞争力的策略建议。
[Abstract]:As an important part of China's commercial banking system, urban commercial banks are playing a more and more important role in serving urban and rural residents, serving small and medium-sized enterprises and serving the local economy in recent years. However, how to improve their competitiveness and serve urban and rural residents in a better manner is a problem faced by most urban businesses at present. Obtaining low-cost funds from a variety of channels and allocating them to high-yielding assets becomes the key to enhance the competitiveness of city commercial banks, which is reflected in the different asset structure and liability structure of the city commercial banks. This paper focuses on the impact of asset structure and liability structure on the profitability of urban firms. First of all, this paper combs the theoretical basis of the competitiveness of commercial banks, and summarizes the research on the competitiveness of commercial banks at home and abroad. Secondly, from 133 city commercial banks in China, 45 city commercial banks with high development level and full disclosure of information are selected as the sample banks, and the development status of the sample banks is summarized from three aspects: overall development status, assets and liabilities structure, and income structure. Finally, a factor analysis model is established based on 45 samples of urban merchants' behavior, and the influence of different asset composition and debt composition on the competitiveness of urban merchants is discussed by extracting public factors. Specifically, there are five chapters in the article. The first chapter is the introduction, which expounds the background, theoretical and practical significance of the topic. The second chapter summarizes the theoretical basis of the competitiveness of the city commercial banks, as well as the related theoretical basis of asset management and liability management of the city commercial banks, and on this basis, combs the domestic and foreign literature about the competitiveness of the city commercial banks. This paper explains the theoretical reference and reference of standard writing. The third chapter summarizes the development status of the city commercial bank from three aspects: the overall situation, the assets and liabilities structure and the income structure, summarizes the characteristics of the capital source and asset allocation of the city commercial bank, and summarizes the asset structure of the city commercial bank from the theoretical point of view. The influence of debt structure on competitiveness lays a foundation for the establishment of the fourth chapter measurement model. The fourth chapter explores the influence of asset structure and debt structure on the competitiveness of urban firms by establishing an econometric model and using the method of factor analysis. The fifth chapter is the summary and conclusion of the article, and puts forward the strategic suggestions to improve the competitiveness of city firms from two aspects of asset allocation and liability funds.
【学位授予单位】：兰州大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.33
本文编号：2475105
[Abstract]:As an important part of China's commercial banking system, urban commercial banks are playing a more and more important role in serving urban and rural residents, serving small and medium-sized enterprises and serving the local economy in recent years. However, how to improve their competitiveness and serve urban and rural residents in a better manner is a problem faced by most urban businesses at present. Obtaining low-cost funds from a variety of channels and allocating them to high-yielding assets becomes the key to enhance the competitiveness of city commercial banks, which is reflected in the different asset structure and liability structure of the city commercial banks. This paper focuses on the impact of asset structure and liability structure on the profitability of urban firms. First of all, this paper combs the theoretical basis of the competitiveness of commercial banks, and summarizes the research on the competitiveness of commercial banks at home and abroad. Secondly, from 133 city commercial banks in China, 45 city commercial banks with high development level and full disclosure of information are selected as the sample banks, and the development status of the sample banks is summarized from three aspects: overall development status, assets and liabilities structure, and income structure. Finally, a factor analysis model is established based on 45 samples of urban merchants' behavior, and the influence of different asset composition and debt composition on the competitiveness of urban merchants is discussed by extracting public factors. Specifically, there are five chapters in the article. The first chapter is the introduction, which expounds the background, theoretical and practical significance of the topic. The second chapter summarizes the theoretical basis of the competitiveness of the city commercial banks, as well as the related theoretical basis of asset management and liability management of the city commercial banks, and on this basis, combs the domestic and foreign literature about the competitiveness of the city commercial banks. This paper explains the theoretical reference and reference of standard writing. The third chapter summarizes the development status of the city commercial bank from three aspects: the overall situation, the assets and liabilities structure and the income structure, summarizes the characteristics of the capital source and asset allocation of the city commercial bank, and summarizes the asset structure of the city commercial bank from the theoretical point of view. The influence of debt structure on competitiveness lays a foundation for the establishment of the fourth chapter measurement model. The fourth chapter explores the influence of asset structure and debt structure on the competitiveness of urban firms by establishing an econometric model and using the method of factor analysis. The fifth chapter is the summary and conclusion of the article, and puts forward the strategic suggestions to improve the competitiveness of city firms from two aspects of asset allocation and liability funds.
【学位授予单位】：兰州大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.33
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