摘要
盈利能力是商业银行经营效率的主要指标之一,安全性与流动性则是商业银行盈利能力的前提与基础。本文通过对2006～2008年中国14家上市商业银行的分析发现:中国上市银行的盈利能力持续性与收益留存率、成本收入比负相关,与净息差正相关,上市银行盈利能力与不良贷款率呈负相关,盈利能力持续性呈现上升趋势。因此,继续推进商业银行的市场化改革和经营模式的转型,实现资本集约经营和适当增加分红派息比例,加强核心资本充足率的监管等措施,对提升银行业上市公司盈利能力持续性、经营效率和稳定发展将起到关键作用。
Profitability is one of the main indicators of commercial bank＇ s efficiency. Security and mobility are the prerequisite and foundation of the profitability. Based on the analysis of Chinese 14 listed commercial banks＇ data from 2006 to 2008, the paper finds that the continuity of Chinese listed bank＇ s profitability is negatively correlated with its revenue retention and cost-income ratio, positively with net interest margin, the profitability negatively with the non-performing loans and the continuity of profitability shows an upward trend. Therefore, commercial banks＇ efforts, continuing to promote the market-oriented reforms and the transformation of business model, achieve capital-intensive operation and appropriately raise dividend payout ratio, and strengthen the regulation of core capital adequacy ratio, will play a key role in enhancing the continuity of listed banking companies＇ profitability, operational efficiency, stability and development.
出处
《金融论坛》
CSSCI
北大核心
2010年第9期31-37,共7页
Finance Forum
关键词
上市银行
盈利能力
经营转型
经营效率
listed banks
profit ability
operation transformation
operational efficiency
