摘要
民营银行对于深化我国金融改革,支持中小企业发展有着十分重要的作用,而银行的盈利能力已日益成为其生存与发展的前提条件,因此,对民营银行的盈利能力进行研究显得尤为重要。现阶段,中国民生银行是中国第一家真正意义上的民营银行,本文通过建立指标体系研究该银行的盈利能力,为民营银行的发展提供参考。通过灰色关联度分析,发现了银行的资产规模以及贷款占总资产比率与银行盈利能力关联最大。之后,对资产收益率与各变量指标做多元线性回归分析,得到回归方程,用以反映资产收益率与各影响因素之间的内在关系,并提出了提高民营银行盈利能力的相关建议。
Private banks play a very important role in deepening our country＇s financial reform and supporting the development of small and medium enterprises. Therefore, research on the profitability of private banks seems very important. At present, China Minsheng Bank is the first real private bank in China. This paper studies the profitability of the bank by establishing index system and provides reference for the development of private banks. Through gray correlation degree analysis, the bank＇s assets size and the total assets of the loans were found to have the greatest correlation with the profitability of the bank. Then, this paper makes regression analysis. The regression equations of asset income rate and the index of variables were obtained and used to reflect the rate of return on assets and the intrinsic relationship between the various influencing factors. In the end,this paper puts forward some suggestions of improving the private bank profitability.
出处
《特区经济》
2016年第1期37-39,共3页
Special Zone Economy
基金
国家教育部人文社科基金支持:中小企业融资与民间金融资本的对接模式及其机构化路径
项目编号:14YJA790044
主持人:彭芳春
关键词
民营银行
盈利能力
灰色关联度分析
回归分析
private bank
profitability analysis
gray correlation degree analysis
regression analysis
