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金融学留学生毕业论文:伊斯兰与传统银行的稳定性

时间:2018-05-15 08:48来源:www.ukthesis.org 作者:英国论文网 点击联系客服: 客服:Damien
通过分析银行的财务比率,可以对银行的业绩和稳定性进行量化和衡量。我们可以拥有几百个比率。然而,我们将只使用那些共同的,和一些意义的银行的分析。此外,重要的是要注意,我们应该只使用主要和可比的比例,以便充分了解这些银行的财务状况相比,所有这些比率可能包括一些模糊的研究。
主要使用五种财务比率来消除财务报表和财务报表重复使用所造成的模糊性。因此,这五类是:
 
获利能力比率
活动比率
流动性比率
偿付能力比率
计价比率
 
1. Ratio Analysis
The performance and the stability of banks can be quantified and measured through the analysis of their financial ratios. We can have several hundreds of ratios at our disposal. However, we will use only those that are common, and of some meaning for the analysis of the banks. Also, it is important to note that we should use only major and comparable ratios in order to fully understand the financial position of these banks as compared to all those ratios that may include some vagueness in the research.
 
Mainly five categories of these financial ratios are used to eliminate the vagueness created by redundant use of the financial heads and items from the financial statements. Hence, the five categories are: (CFA 2009, p498):
 
Profitability Ratios
Activity Ratios
Liquidity Ratios
Solvency Ratios
Valuation Ratios
However, for the banking industry, which is our main concern, we will use only the first four categories, making an exception of the Valuation category. The financial stability department of the State Bank of Pakistan, which is the central bank of this major economy in the Muslim world, and actively involved in the promotion of Islamic Banking, suggests that the financial ratios fairly reflect the stability, health and the performance of the banks. Hence, these ratios can be used for our purpose.
 
2. Z-score
Instead of just doing the Financial Ratios Analysis, we should also do the analysis of the banks' insolvency risk, which is measured by the z-score. This will be done for both the categories of banking systems: Islamic Banks; as well as the Commercial Banks. The statistic based on z-score is calculated with the help of the data on the bank's expected profits, the riskiness or the variation in such profits and the capital base of the bank. In other words, the following variables help to calculate the z-score and test it, we need the profit margin, its likelihood of occurrence and the shareholders equity available to compensate in case of the negative margins (losses).
 
A z-score represents the number of standard deviations by which the return on asset have to decrease in order to incur a loss (a negative return). Z-scores can be measured by the following formula:(责任编辑:cinq)


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