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谢伏瞻
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    2008~2009年中国上市银行财务分析报告

    摘要

    本部分主要对已上市商业银行的赢利能力、资本实力、资产质量和流动性等进行全面综合分析。总体来看,虽然遭遇国际金融危机的冲击,国内上市银行总体表现有所改善。得益于银行债务筹资手段的使用,上市商业银行资本充足率提高,但伴随业务规模的扩展,风险资产的增加对银行资本有所消耗;得益于银行主营业务的较快增长和经营成本的有效压缩,上市银行赢利能力提升明显;在资产质量改善的同时,由于金融危机对实体经济的影响显现,上市银行面临的行业信贷风险增加,实体经济价格下跌对上市银行资产质量的潜在不良影响加剧,上市银行在经营管理中仍隐藏着一些潜在的风险。

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    Abstract

    This report provides a comprehensive analysis of listed commercial banks in their profitability,capital,asset quality and liquidity. In general,the listed commercial banks stll made a progress in the overall performance. Benefitting from the use of debt financing instruments,listed commercial banks’ capital adequacy ratio increased,but with the expansion of business scale,the increase of risk assets on bank capital has been consumed. Due to the rapid growth of the main business and the compression of operating costs,the profitability of listed banks Made a significant progress. With the improve of asset qualit,the impact of the financial crisis on the real economy appears,and the credit risks which listed banks faced increased. At the same time,the adverse impact on the asset quality of listed banks caused by the decline in real economy prices are increasing and potential risks are still remains.

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    作者简介
    刘煜辉:
    张榉成:
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