我國上市商業(yè)銀行直接投資與績效的關系研究.pdf

1、武漢理工大學碩士學位論文我國上市商業(yè)銀行直接投資與績效的關系研究姓名：廖海燕申請學位級別：碩士專業(yè)：企業(yè)管理指導教師：陳曉慧20120516AbstractIn2011，China’StotalaSSetSoffinancialinstitutionsinthebankingindustryreached11328trillion，thenetprofitis10412trillionObviously，thebankingindust

2、ryisstillthemostprofitableoneinallChinaNowtheChinesebankingindustrywascalledinthequestionof’excessiveprofitThemainsourceofChinasbankingprofitsisthenetinterestincomeandmiddlebusinessincomeThenetinterestincomeofdomesticlis

3、tedbankinterestlastyearismorethan80％inproportionofoperatingincomeSoWeCanseethattheinterestincomeisthemajorSOUIC沱ofdomesticcommercialbanks’revenueIn2011ayearfixeddepositrateis35％，13yearsloaninterestrateisashigh弱665％叨1eChi

4、na’Sinterestshavenotcaught、7I，iththeinternationallevel，whichenhancedthemonopolisticstatusofdomesticcommercialbanksn圮fastvictimsofexcessiveprofitaledepositorsandborrowersTherisingbankloaninterestrateandloaninvisiblecostsm

5、akefinancingcostsrisetoo，whichworsenstheentityeconomylivingenvironmentAndtheChinasbankinghighprofitscan’trepresenttheiroverallperformancelevelChinabanks’hugescalealsocausesthehighprofitsBytheendof2011，thetotalassetsofChi

6、nasbankingis11328trillionproducedthe104trillionofthenetprofitthecorrespondingROAisabout092％TheefficiencyisrelativelylowInaddition嬲apubliccommercialbankfacesprofitinflationandassetqualityisworseningpatternandsystemicriskb

7、ubblecausedbyblindcreditexpansionDirectinvestment弱anassetbusinessofpubliccommercialbankinrecentyearsmoreandmoreattentioniscausedbythelistedChinesecommercialBanksDirectinvestment，嬲thebankcapitalrushesintotherealeconomyont

8、heonehandCancontinuallybringinvestmentincome，ontheotherhandCallreducecreditrisksandincreasethecapitaladequacyratioThereisonlyresearchofbankdirectinvestmentandbankperformance，butlessresearchofrelationshipbetweentheminChin

9、aandabroadTherefore，thispaperselects11listedcommercialbanks’datain20042010assamples，andsettheprofitability，developmentcapacity，assetssafetyandliquidityforperformancevariable，directinvestme鴯directinvestmentprofitsfordirec