影响商业银行盈利能力的因素分析摘要在经济全球化背景下，外资银行在我国迅猛发展，为我国商业银行的经营带来了冲击，为了适应激烈的市场竞争，我国商业银行积极实施股份制改革，但与国外银行相比盈利能力表现仍然差强人意。在我国的经济结构中，商业银行占据重要地位，作为资金融通的重要渠道，提升商业银行的盈利能力成为一项重要的研究课题。本文以商业银行盈利能力为研究对象，运用杜邦分析法，分析影响商业银行盈利能力的主要因素，并提出解决措施，以期帮助提升商业银行的能力能力，保障商业银行的稳定发展。关键词：杜邦分析；商业银行；盈利能力AbstractUnderthebackgroundofeconomicglobalization,therapiddevelopmentofforeignbanksinChinahasbroughtimpactsontheoperationofChina'scommercialbanks.Inordertoadapttofiercemarketcompetition,China'scommercialbankshaveactivelyimplementedjoint-stockreforms,butcomparedwithforeignbanks,theperformanceofprofitabilityStillunsatisfactory.Inourcountry'seconomicstructure,commercialbanksoccupyanimportantposition.Asanimportantchannelforfinancing,improvingtheprofitabilityofcommercialbankshasbecomeanimportantresearchtopic.Thispapertakestheprofitabilityofcommercialbanksastheresearchobject,usesDuPontanalysis,analyzesthemainfactorsthataffecttheprofitabilityofcommercialbanks,andproposessolutionstohelpimprovetheabilityofcommercialbankstoensurethestabledevelopmentofcommercialbanks.Keywords:DuPontanalysis;commercialbank;profitability目录摘要...............................................................IAbstract...........................................................................................................................II第1章绪论...............................................................................................................1第1节研究意义......................................................................................................1第2节国内外研究现状..........................................................................................1第3节研究内容......................................................................................................1第4节研究方法......................................................................................................2第2章商业银行盈利能力分析概述..............................................................................3第1节杜邦分析体系概述......................................................................................3第2节商业银行盈利能力分析..............................................................................3第3章影响商业银行盈利能力的原因分析..................................................................8第1节信贷资产质量较差......................................................................................8第2节存款业务量较少..........................................................................................8第3节成本管理较差..............................................................................................8第4节资金利用率较低..........................................................................................9第4章商业银行盈利能力提升的措施........................................................................10第1节加强不良贷款管理....................................................................................10第2节抓好存款工作以增加收益........................................................................11第3节完善成本费用管理....................
