本科论文摘 要在十四届三中全会上,国家最高领导人习近平提出了利率市场化改革的基本设想,经过了大约三十年的时间，我国已经基本完成了货币利率、债券利率、外币利率和人民币存贷款利率的市场化改革。本文主要研究了从 2007 年到 2016 年间，我国某几家上市商业银行的年报数据，在 excel 中进行了简单的数据分析，在阐述概念、分析理论的基础上，结合实际的数据进行剖析和总结，研究发现，上市商业银行的净利差与资产收益率的变动趋势基本一致，表明净利差的提高有助于银行盈利能力的提升；上市商业银行的不良贷款率与资产收益率的变动趋势相反，表明不良贷款率的升高必然使银行的盈利能力下降；而非利息收入占比对商业银行盈利能力的影响不大。最后本文针对利率市场化对银行盈利能力的影响做了客观的评价,针对银行目前存在的一些主要资产结构和财务风险问题,提出了相应的建议。关键词：利率市场化，商业银行，盈利能力本科论文AbstractIn the third Plenary Session of the 14th CPC Central Committee, Xi Jinping, the supreme leader of the state, put forward the basic idea of the reform of interest rate marketization. After about thirty years, China has basically completed the marketization of monetary interest rate, bond interest rate, foreign currency interest rate and RMB deposit and loan interest rate.This paper mainly studied the annual report data of some listed commercial Banks in China from 2007 to 2016. It carried out a simple data analysis in excel. Based on the elaboration of concepts and analysis theories, it analyzed and summarized the actual data. It is found that the net interest margin of listed commercial Banks is basically consistent with the change trend of return on assets, indicating that the improvement of net interest margin is conducive to the improvement of bank profitability. The non-performing loan ratio of listed commercial banks is contrary to the change trend of asset return ratio, which indicates that the increase of non-performing loan...
