我国银行业金融机构盈利能力研究  

The Study on the Profitability of the Banking Financial Institutions in China

作　　者：焦少飞[1] 

机构地区：[1]中国人民银行西安分行,陕西西安710075

出　　处：《西部金融》2014年第2期56-58,共3页West China Finance

摘　　要：本文分析了我国当前银行业利润水平及其特征,综合研究了资产规模、净息差、资产负债结构、经济周期等因素与银行业利润的关系。研究发现,银行业利润增长除准入门槛和政策红利因素外,与净息差相对稳定条件下的银行生息资产快速增长有较大关系。但是,当前银行业盈利模式具有不可持续性,未来受生息资产规模下降、资本监管要求提高、利率市场化等因素的影响,我国银行业盈利能力将面临考验。The paper analyzes the current banking profit level and its characteristics, and comprehensively studies the relationship between the banking profits and the influence factors such as the asset scale, the net interest margins, assets and liabilities structure and the economic cycles and so on. The study finds that in addition to the barriers to entry and dividend policy factors, the banking profit growth has the relationship with the rapid growth of the banking interest-bearing assets under the condition that the net interest margins are relatively stable. However, the current banking profit model is unsustainable, and in the future China＇ s banking profitability will face the test influenced by such factors as declined interest-bearing asset scale, increased regulatory capital requirements and the inter- est rate marketization.

关 键 词：银行业金融机构 利润 资产规模 净息差 

分 类 号：F830.5[经济管理—金融学]