摘要
通过对我国五家上市股份制商业银行2004-2008年盈利能力指标进行趋势分析和因素分析,找出我国股份制商业银行目前的盈利状况和盈利能力方面存在的优势和劣势,发现招商银行在所有银行中的表现最好,这主要得益于其较高的生息资产使用效率,领先的中间业务发展水平和严格的风险控制能力,而深发展表现最差,主要是其资产质量不高。
Through trend and factor analysis of profit-making capability of five Chinese share-holding commercial banks across 2004-2008, this paper tries to identify the profitability in the current situation and the strengths and weaknesses of profitability.The result suggests that China Merchants Bank’s performance is the best in all of the banks, mainly due to good use of interest-bearing assets, high development of off-balance sheet business and strict risk control ability, while Shenzhen Development Bank’s performance is the worst, mainly because of its low quality of assets.
出处
《中南财经政法大学研究生学报》
2009年第4期13-18,51,共7页
Journal of the Postgraduate of Zhongnan University of Economics and Law
关键词
股份制银行
盈利能力
上市银行
Share-holding Commercial Banks
Profitability
Listed Commercial Banks
