中国建设银行盈利能力分析

中国建设银行盈利能力分析

    摘 要：商业银行的发展一直是国内外金融业比较关注的热点，无论是发展中国家还是发达国家，商业银行的发展状况与一国的经济发展有着密不可分的联系。中国建设银行作为国有四大行之一，其盈利能力显示出我国金融业的快速发展和我国经济水平的竞争力。中国建设银行作为盈利性的金融机构，除自身因素外，影响其盈利能力的便是几个主要的财务指标。本文从影响商业银行盈利能力的财务指标出发，以总资产收益率、净资产收益率、资本充足率、不良贷款率等主要财务指标为对象，着重分析中国建设银行的盈利能力，并对此针对性地提出提升银行业盈利能力的有效途径，为相关人士做一个借鉴。

    关键词：商业银行；盈利能力；财务指标；建设银行；盈利途径

目    录

一、引言························································································································1

二、商业银行盈利能力指标························································································1

（一）财务指标········································································································1

（二）非财务指标····································································································3

三、中国建设银行盈利能力分析················································································4

（一）建设银行简介································································································4

（二）盈利能力分析································································································5

1.财务角度···········································································································5

2.非财务角度·····································································································10

四、提升建设银行盈利能力途径··············································································12

（一）确立合理的资产、资本规模······································································12

（二）优化存贷款结构，存贷合理匹配······························································12

（三）降低不良贷款率，提高贷款质量······························································13

（四）积极关注政府调控，减少风险··································································13

五、总结······················································································································13

参考文献······················································································································15