本文關(guān)鍵詞： 上市商業(yè)銀行 績效評價 比較分析　出處：《遼寧大學》2013年碩士論文　論文類型：學位論文

【摘要】：國內(nèi)外的關(guān)于商業(yè)銀行績效評價的研究，在理論界已有不短的歷史。商業(yè)銀行作為經(jīng)濟社會中較為特殊、至關(guān)重要的企業(yè)，對宏觀經(jīng)濟的影響巨大而深遠。商業(yè)銀行的績效水平是衡量其發(fā)展成熟度的標志，它的高低直接決定于銀行的競爭力的大小。外資銀行逐步進入國內(nèi)市場的現(xiàn)狀，給國內(nèi)銀行業(yè)金融機構(gòu)帶來了新一輪的挑戰(zhàn)，另外，巴塞爾委員會發(fā)布的最新監(jiān)管原則也使得銀行業(yè)的監(jiān)管標準日趨嚴格，以單一的傳統(tǒng)業(yè)務(wù)為主要盈利模式的國內(nèi)銀行業(yè)勢必面臨利潤縮水的危險。 隨著2005年以后的銀行業(yè)改革進程逐步加快，國內(nèi)眾多的或具備規(guī)模優(yōu)勢、或擁有經(jīng)營特色、或為推動實體經(jīng)濟發(fā)展而得到規(guī)模擴張的各家商業(yè)銀行已經(jīng)陸續(xù)上市，這些商業(yè)銀行能否在股改、上市后發(fā)現(xiàn)并彌補自身的不足、充分發(fā)揮它們的自身優(yōu)勢以獲得穩(wěn)定生存、長足的發(fā)展這一問題開始受到了經(jīng)濟學界的學者們的關(guān)注，這些問題的出發(fā)點在于“國情”二字，也就是通過銀行業(yè)改革推動經(jīng)濟與社會發(fā)展，，借經(jīng)濟的穩(wěn)固反過來進一步強化銀行業(yè)乃至金融業(yè)能夠獲得穩(wěn)定增長的基礎(chǔ)。那么，確保中國的銀行業(yè)金融機構(gòu)的健康成長應(yīng)從何處開始著眼呢？筆者認為，如何在維持安全運營、最大限度提高資產(chǎn)利用率和風險管理水平、在順應(yīng)國際監(jiān)管標準的大趨勢的同時轉(zhuǎn)變國內(nèi)銀行業(yè)的發(fā)展模式，以提高它們的自主競爭力和綜合績效水平為目標，是監(jiān)督和管理當局目前應(yīng)重點解決的問題。上市商業(yè)銀行作為實現(xiàn)銀行業(yè)快速成長、逐漸走向成熟的領(lǐng)頭軍，它們近幾年的發(fā)展歷程雖然已經(jīng)孕育出了許多的可喜的成果，但也存在很多的不足，這就要求我們從它們目前所呈現(xiàn)出的績效水平現(xiàn)狀入手，并通過定量的研究進一步分析目前各個已上市的商業(yè)銀行存在的問題以及其原因，并且最終應(yīng)落腳于探討如何提升它們的綜合績效水平、促進它們的可持續(xù)的發(fā)展。 本文認為，上市商業(yè)銀行其自主的競爭力的高低從根本上、內(nèi)在地決定了其在經(jīng)營、運行和管理等的活動中所表現(xiàn)出來的綜合績效水平。因此，本文在對國內(nèi)已上市的商業(yè)銀行的績效水平的現(xiàn)狀進行了初步考察的基礎(chǔ)上，在達到了初步理解競爭力理論的基本要求的同時，也額外考慮到了商業(yè)銀行經(jīng)營上不同于一般企業(yè)的特殊性，也就是兼顧安全性、流動性和盈利性的“三性”要求，并且將成長性和關(guān)于公司治理的非財務(wù)指標集考慮進來，據(jù)此來構(gòu)建商業(yè)銀行績效的評價指標體系。本文在眾多的評價方法中既選擇了主觀評價的方法，也選擇了客觀評價的方法，運用了熵權(quán)法和灰色單層次評判法對中國不同類上市商業(yè)銀行績效進行綜合打分和排名，并進行多層次、多方面的比較分析，據(jù)此得出了結(jié)論。本文的大致結(jié)構(gòu)如下： 第一部分：考察中國已上市的商業(yè)銀行績效水平的現(xiàn)狀，并據(jù)此對它們經(jīng)營、運行和管理中所存在的問題達到一個初步的認識。這部分主要是通過在所搜集的大量客觀數(shù)據(jù)中選取最常用的指標，通過直觀的展示和比較，來分析目前已上市了的商業(yè)銀行績效在五個方面所呈現(xiàn)出的現(xiàn)狀，應(yīng)注意到的是，這些數(shù)據(jù)既顯現(xiàn)出了優(yōu)勢，也暴露出了問題。通過以數(shù)據(jù)形式進行直觀展示，可以對各家上市的銀行的優(yōu)勢進行驗證，對它們在五個方面的績效中可能存在的問題加以分析、猜想。 第二部分：討論影響績效水平高低的因素，按照五個類別特殊性和重要性的大小按順序依次討論，實際上這一部分是對所設(shè)想的可能存在的問題的原因進行論述。一般來說，原因應(yīng)從內(nèi)部原因和外部原因來考慮，因此，除了牢牢抓住實際中可能導致各商業(yè)銀行存在各方面問題的原因以外，主要遵循“內(nèi)外兼顧、分別討論”的原則。 第三部分：這一部分應(yīng)秉承全面性和客觀性的要求來建立一套對中國國內(nèi)已上市的各家商業(yè)銀行的績效水平進行具體以及綜合評價的指標體系，以中國目前已上市了的全部16家上市商業(yè)銀行績效為研究對象，運用熵權(quán)法和灰色單層次評判法進行績效評價與多層次、多方面的比較分析，得出最終結(jié)果，并依此分析它們在過去的發(fā)展中存在的問題，同時也是對第一部分中關(guān)于它們在改革、成長中存在的問題及其原因的猜想的驗證。 第四部分：基于前三部分的定性、定量分析，提出進一步提升上市商業(yè)銀行的績效的對策，考慮到三種類型的上市銀行存在或者潛在的問題不盡相同，應(yīng)分別針對它們天然的優(yōu)劣勢、在經(jīng)濟社會中地位的特殊性有所側(cè)重地提出幾方面的對策建議。在此基礎(chǔ)上，還需要最終明確總體意義上的戰(zhàn)略導向以及與宏觀調(diào)控有關(guān)的政策思路，確保已上市的這些銀行績效水平的提升能夠獲得強有力的體制、機制、技術(shù)、資金等方面的政策支持以及始終維持清晰的目標定位，以作為所提出的策略體系的有效補充。
[Abstract]:The domestic and foreign research on the performance evaluation of commercial banks, in the theory circle has short history. Commercial banks as the economic society is more special, important enterprises, the macroeconomic impact of a huge and far-reaching. The performance of the commercial bank is a symbol of the development level of maturity, it directly depends on the bank the competitiveness of the size. The status of foreign banks are gradually entering the domestic market, has brought a new round of challenges to the domestic banking financial institutions, in addition, the new regulation issued by the Basel committee also makes the banking regulatory standards are more stringent, with the traditional business as the main profit model of the domestic banking industry is bound to face danger shrinking profits.
As in 2005 after the reform of the banking industry gradually speed up the process, many domestic or with the advantages of scale, or have operating characteristics, or to promote the development of the real economy and the expansion of the scale of the commercial banks have been listed, the commercial bank could be in the city after the share reform, on finding and make up for their deficiencies, give full play to their own in order to obtain a stable survival advantage, this problem has been considerable development economics scholars, the starting point of the problem lies in the "national" two characters, is through the reform of the banking industry to promote economic and social development, the economic stability in turn to further strengthen the banking industry and the financial industry can obtain the foundation for steady growth. So, make sure where the banking financial institutions Chinese the healthy growth from the beginning of focus? I think, how to maintain the safety of the operation. To improve the utilization ratio of assets and risk management level development model in the limit, comply with the international trend of regulatory standards and changes in domestic banking industry, to improve their own competitiveness and overall performance level as the goal, is the supervision and management authorities should focus on solving the problem. The listed commercial banks as the rapid growth of the banking industry. A leader in gradually mature, their course of development in recent years has spawned many gratifying achievements, but there are also many problems, which requires us to start from the level of performance of their current status of quantitative research and through further analysis of the current various listed commercial banks exist the problem and its causes, and eventually settled in the discussion on how to improve the comprehensive performance level of them, promote their sustainable development.
This paper argues that the listed commercial banks in its own competitiveness fundamentally, it inherently in operation, the comprehensive performance level shown by the operation and management activities. Therefore, the basis of the preliminary investigation in this situation has been listed on the domestic commercial banks' performance on the in meet the basic requirements of a preliminary understanding of the theory of competitiveness at the same time, also consider additional to the special nature of commercial banks is different from the general business, is also the consideration of safety, liquidity and profitability of the "three" requirements, and the growth of corporate governance and non-financial index set into account, according to the the construction of commercial bank performance evaluation index system. In this paper many evaluation methods not only chose the subjective evaluation method, choose the objective evaluation method, using entropy method and grey layer The sub evaluation method comprehensively scores and ranks the performance of different types of listed commercial banks in China, and conducts a multi-level comparative analysis.
The first part: the investigation on the present situation of China listed commercial bank performance level, and according to their business, the existing problems in the operation and management reached a preliminary understanding. This part is mainly through the selection of the most commonly used index in a large number of objective data collected, through the display and intuitive analysis, the present situation of the listed commercial bank performance show in five aspects, should be noted that these data can show the advantage, also exposed the problem. Through in the form of data visualization, can the listed bank's advantage is verified, they may exist in five aspects of the performance problems in the analysis, conjecture.
The second part: discuss the influence of the performance level of the five categories, according to the particularity and importance of the size according to the order of discussion, in fact this part is the reason of imagined possible problems were discussed. In general, the reason should be the internal reasons and external reasons to consider, therefore, in addition to all possible causes the commercial bank has the actual grasp, follow the "internal and external balance, discuss" principle.
The third part: detailed and comprehensive evaluation index system this part should uphold the comprehensive and objective requirements to establish a set of Chinese listed on the domestic commercial banks performance level, to China has listed all the 16 listed commercial banks as the research object, method and grey evaluation method of single level performance evaluation and multi-level entropy using the comparative analysis in many aspects, get the final results, and then analyses their presence in the past problems in the development, but also for the first part of their reform, verification problems and reasons existing in the growth of the guess.
The fourth part: quantitative and qualitative analysis, the first three parts based on the proposed to further enhance the listed commercial bank's performance measures, taking into account the three types of listed banks existing or potential problems are not the same, should be respectively according to their natural advantages and disadvantages, the special position in the economic society has been focused on the Countermeasures in several ways. On this basis, also need to finally clear the strategic orientation and the overall meaning of the policy ideas related to macroeconomic regulation and control, to ensure that these banks have been listed on the performance level of access to a powerful system, mechanism, technology, capital and other aspects of policy support and always maintain a clear target orientation and effective supplement strategy as of the proposed system.

【學位授予單位】：遼寧大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.33

【參考文獻】

相關(guān)期刊論文 前10條

1 王宇,謝禹;商業(yè)銀行競爭力評價方法研究[J];商業(yè)研究;2005年12期

2 王松奇;劉煜輝;歐明剛;;2009中國商業(yè)銀行競爭力評價報告(摘要)[J];銀行家;2009年08期

3 吳軍海;;基于財務(wù)指標角度的商業(yè)銀行核心競爭力的因子分析——以十三家全國性商業(yè)銀行為例[J];長沙大學學報;2010年06期

4 郭小群;楊劍波;彭本紅;;銀行業(yè)上市公司盈利能力持續(xù)性的影響因素[J];金融論壇;2010年09期

5 郭濤;;城市商業(yè)銀行成長性評價研究及其成長戰(zhàn)略選擇[J];東岳論叢;2011年10期

6 黃建軍;楊忠君;;資本約束下城市商業(yè)銀行經(jīng)營困境和轉(zhuǎn)型策略[J];國際經(jīng)濟合作;2011年09期

7 遲國泰;鄭杏果;楊中原;;基于主成分分析的國有商業(yè)銀行競爭力評價研究[J];管理學報;2009年02期

8 張浩;張鵬;;我國國有商業(yè)銀行公司治理結(jié)構(gòu)問題研究[J];區(qū)域金融研究;2009年05期

9 趙俊民;;商業(yè)銀行績效考核體系的完善[J];金融理論與實踐;2010年05期

10 徐盛發(fā);巴曙松;;轉(zhuǎn)軌期我國商業(yè)銀行競爭力研究——一個基于層次分析法和熵權(quán)法相結(jié)合的研究[J];內(nèi)蒙古金融研究;2010年06期

相關(guān)博士學位論文 前1條

1 李衛(wèi)東;企業(yè)競爭力評價理論與方法研究[D];北京交通大學;2007年

相關(guān)碩士學位論文 前5條

1 劉翠;我國上市商業(yè)銀行競爭力研究[D];天津財經(jīng)大學;2011年

2 邵慧君;我國城市商業(yè)銀行發(fā)展中的競爭力問題研究[D];山東大學;2011年

3 何燦;基于改進TOPSIS法的房地產(chǎn)上市公司績效分析[D];對外經(jīng)濟貿(mào)易大學;2006年

4 閆英;商業(yè)銀行競爭力的財務(wù)評價及提升策略[D];東北財經(jīng)大學;2007年

5 李紅霖;我國上市商業(yè)銀行動態(tài)競爭力影響因素的實證研究[D];西南大學;2012年

本文編號：1491153