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| 驱动因素分解视角下的城市商业银行盈利分析——以 67家城商行 10年的数据为例 |
| Profit Analysis of City Commercial Banks from the Perspective of Decomposing Driving Factors —Take the Data of 67 City Commercial Banks from 2009 to 2018 as an Example |
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| DOI： |
| 中文关键词: 城市商业银行；利润增长；驱动因素；LMDI因素分解模型 |
| 英文关键词: City commercial banks; profit growth; driving factors; LMDI (Logarithmic Mean Divisia Index) Factorization Model |
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| 摘要点击次数: 3518 |
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| 中文摘要: |
| 文章从净利润增长驱动因素视角，对国内67家城市商业银行的10年盈利能力进行实证研究。研究发现：城商行净利润增幅呈下降趋势，传统利差收入对净利润增长的贡献在逐步弱化，非利息收入则稳定贡献净利润增长，成本管控以及税收筹划促进城商行降本增效，资产减值损失成为侵蚀城商行利润的主要因素。城商行应更加重视效益优先，以提升资源配置效率、改善收入结构、强化风险管控、推进适应高质量发展及业务转型的体制机制变革为抓手，从根本上提升盈利能力。 |
| 英文摘要: |
| From the perspective of decomposing driving factors, an empirical study has been conducted on the profitability of 67 domestic city commercial banks from 2009 to 2018. It is found that the net profit growth of the city commercial banks shows a downward trend. The contribution of interest income to the growth of net profit is gradually weakening, while non-interest income steadily contributes to the growth of net profit. At the same time, cost control and tax planning, to a certain extent, promote cost reduction and efficiency increase of the city commercial banks, and asset impairment loss becomes the main factor that erodes the bank profits. Therefore, the city commercial banks should give priority to efficiency and fundamentally develop profitability by means of improving income structure, upgrading efficiency of resource allocation, intensifying risk control and promoting system and mechanism reform to adapt to high-quality development and business transformation. |
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