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| 商业银行经营效率及其影响因素研究 摘 要 近年来，随着科技技术的迅速发展带动了互联网金融的迅猛增长，对传统的商业银行的金融模式形成了相当大的冲击。商业银行银行作为传统的金融模式的重要代表，应将如何应对互联网金融的这次重大变革浪潮给商业银行的经营效率、盈利效率等业务领域所带来的巨大的挑战。 商业银行作为在整个传统金融模式的代表占据重要的地位，全国12家商业银行占据银行业总资产的临近20%，而且存款与贷款总额也仅次于四大行。在银行业净利润增速和存款增速备受经营效率压力下，以分解商业银行的经营效率的影响因素存在于哪些方面的因素影响，从而提高商业银行经营效率有着重要的现实意义。 首先是对商业银行的经营效率的现状和其的现状特点等方面进行了阐述以及分析。 其次是对商业银行的经营效率的现状成因和其存在的背景以及出现的问题进行了研究和分析。再次是针对商业银行经营效率出现的问题提出了解决的对策和建议，商业银行经营效率的影响因素涵盖了商业银行的运营效率与盈利能力，防范信贷资产的有效手段，商业银行的综合服务效率，互联网金融的迅速成长等方面的影响。 最后根据商业银行经营效率的存在的主要问题也提出相应解决对策和总结。从而提高商业银行的经营效率等问题得从运营效率与改革等方面进行着手解决。 关键词：商业银行 经营效率 互联网金融 Abstract In recent year，the rapid development of science and technology has led to the rapid growth of Internet finance, which has a considerable impact on the traditional financial model of commercial banks. As an important representative of the traditional financial model,commercial banks should deal with the huge challenges brought about by the wave of major changes in Internet finance to the operational efficiency, profit efficiency and other commercial banks. As the representative of the whole traditional financial model commercial banks occupy an important position.12commercial banks account for nearly 20% of the total assets of the banking industry,and the total amount of deposits and loans is also second only to the four major banks. Under the pressure of operating efficiency of commercial banks,so as to improve the operating efficiency of commercial banks. First of all, it elaborates and analyzes the current situation and characteristics of the operational efficiency of commercial banks. Secondly, it studies and analyzes the current situation, causes,background and problems of the operation efficiency of commercial banks. Thirdly, it puts forward countermeasures and suggestions tosolve the problems of commercial banks’ operation efficiency. The influencing factors of commercial banks’ operation efficiency include the operation efficiency and profitability of commercial banks, the effective means to prevent credit assets,the comprehensive service efficiency of commercial banks, and the rapid growth of Internet finance. Finally, according to the main problems existing in the operation efficiency ofcommercial banks, the corresponding countermeasures and summary are put forward. In order to improve the operational efficiency of commercial of commercial banks, we should start from the operational efficiency and reform. Key words: commercial bank operation efficiency Internet Finance 目录 1.前言 7 2.商业银行经营效率现状 8 2.1资产盈利能力较低 8 2.2资产质量较低 8 2.3市场竞争力不强导致金融效率低 9 2.4业务创新能力不足 9 2.5金融体制产权结构较滞后 10 2.6商业银行的员工整体素质待提高 10 3.商业银行经营效率现状成因分析 11 3.1商业银行运营效率与盈利能力较低 11 3.2商业银行对防范信贷资产有效手段欠佳 11 3.3商业银行综合服务效率差 12 3.4互联网金融对传统商业银行的影响 13 3.5商业银行的产业体制庞大 13 4.提升商业银行经营效率的对策与建议 13 4.1提高商业银行资本充足率 13 4.2提高商业银行资产配置效率 14 4.3改善商业银行产权结构 14 4.4加大金融产品创新力度与技术进步 14 4.5积极培养创新金融人才 14 4.6加强商业银行内部监控及成本管理 15 4.7提升商业银行自身竞争力 15 5.结论 15 参考文献 致谢 |
