金融学院知识库

  为进一步完善国家金融体系，增强金融服务的渗透性，2013年，国务院出台有关文件，提出由民间资本发起成立民营银行。民营银行采取自主经营、自担风险的经营模式，民营银行的开设有效补充了我国的金融体系。互联网银行是民营银行的一种新形式，其依靠互联网科技，仅线上开展所有业务，着力于服务小微企业、个体工商户、个人消费者、农民这些“长尾客户”，在推动普惠金融发展中扮演了极其重要的角色。如今中国正处在“十四五”的开局之年，并且面临着我国正在打造以国内循环发展为主、国内与国际合作互促的双循环发展新格局。在此背景下，对互联网银行的盈利能力展开深入研究，并剖析其影响原因，是对互联网银行发展趋势的阶段总结，可以帮助互联网银行更充分地发挥其经济功能与社会作用，并促使互联网银行成为中国金融体系的有效补充、小微群体的“支持者”以及国民经济的“助力器”。

  本文选取浙江网商银行作为研究对象，运用结合商业银行特点适当调整过的杜邦分析法，沿着网商银行短期、长期盈利能力两条主线出发，通过资产规模、信用风险、经营效率、风险抵御能力、流动性以及收入结构等方面，对其盈利能力的影响因素进行分析，并尝试给出与之相对应的建议，研究结果还可以为其他互联网银行提升盈利水平、增强竞争力、健康发展提供经验借鉴。研究发现，当前互联网银行存在总体规模较小、资产质量较低、成本控制较差以及经营风险较高等问题。针对本文研究结果，结合我国经济发展的实际情况，本文从提高资产质量、控制营业成本、坚持特色经营、强化风险防控、拓宽营销渠道等五个角度提出改善互联网银行经营现状的建议。

    In order to further improve the national financial system, enhance the penetration of financial services, The State Council issued relevant documents and proposed the establishment of private banks initiated by private capital in 2013, proposing the establishment of private banks initiated by private capital. Private banks adopt the management mode of independent operation and risk bearing, and the establishment of private banks has effectively supplemented China's financial system. As a new form of private banks, Internet banks rely on Internet technology to carry out all kinds of banking services purely online. They are committed to serving "long tail customers" such as small and micro enterprises, individual consumers and farmers, and play an important role in the development of inclusive finance. At present, China is at the beginning of the "14th Five-year Plan", and is facing a new pattern of double cycle development in which domestic and international cooperation and mutual promotion are given priority to. Under this background, the in-depth study of Internet bank profitability, and analysis its reason, is the development trend of the Internet bank summary of stage, can help the Internet Banks more fully play to its economic function and social function, and promote the Internet Banks become effective supplement of China's financial system, a small group of micro "supporters" and the "booster" of the national economy.

    This paper selects Zhejiang E-Commerce Bank as the research object, uses The DuPont analysis method which has been adjusted according to the characteristics of commercial banks, along the bank retailing two main line of the short-term and long-term profitability, asset size, credit risk, operational efficiency and risk resistance, liquidity and income structure and so on, to analyze the influence factors of its profitability, It also tries to give corresponding suggestions. The research results can also provide experience for other Internet banks to improve their profitability, enhance their competitiveness and develop healthily.It is found that the current Internet bank has some problems, such as small scale, low asset quality, poor cost control and high operational risk. For this article research results, combine the reality of economic development of China, this paper improves the quality of the assets, reduce the operating cost, insist on the characteristic management, strengthen risk control and prevention, widen marketing channels by five aspects put forward suggestions to improve the Internet bank business situation.