本文關(guān)鍵詞： 上市銀行 經(jīng)營績效 DEA模型 投入 產(chǎn)出　出處：《鄭州大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

【摘要】：目前,我國處于社會(huì)經(jīng)濟(jì)改革進(jìn)入中期攻堅(jiān)階段的特殊時(shí)期,銀行業(yè)作為我國金融行業(yè)的支柱,其對(duì)我國國民經(jīng)濟(jì)的發(fā)展和穩(wěn)定起著至關(guān)重要的作用。目前,活躍于我國資本市場(chǎng)上的銀行業(yè)金融機(jī)構(gòu)主要是16家上市銀行,這16家上市銀行包含四家大型國有商業(yè)銀行和大部分的全國性股份制銀行以及三家城市商業(yè)銀行,可以說是我國銀行業(yè)最高經(jīng)營水平的代表�；诖�,本文首先對(duì)銀行績效的一些理論進(jìn)行了分析,并針對(duì)評(píng)價(jià)銀行經(jīng)營績效的指標(biāo)和方法進(jìn)行了對(duì)比和選擇；其次,對(duì)我國16家上市銀行進(jìn)行了全面的介紹,并著重分析了2011年16家上市銀行的經(jīng)營運(yùn)行狀況,同時(shí),在分析我國上市銀行經(jīng)營狀況之余,結(jié)合現(xiàn)今我國銀行業(yè)經(jīng)營環(huán)境,著重探討了我國實(shí)體經(jīng)濟(jì)運(yùn)行趨勢(shì)、金融行業(yè)競爭加劇以及對(duì)我國銀行業(yè)今后影響最為深遠(yuǎn)的利率市場(chǎng)化改革等外部環(huán)境,并分析了這些環(huán)境變化對(duì)我國上市的一些影響；再次,選取這16家上市銀行作為研究我國銀行業(yè)經(jīng)營績效的實(shí)證分析樣本,通過運(yùn)用數(shù)據(jù)包絡(luò)分析理論(DEA),構(gòu)建有效地銀行績效考核體系,選取員工人數(shù)、股東權(quán)益和營業(yè)支出作為投入指標(biāo),選取凈利潤和營業(yè)收入為產(chǎn)出指標(biāo),對(duì)16家上市銀行的綜合效率、純技術(shù)效率和規(guī)模效率進(jìn)行了詳細(xì)的測(cè)評(píng)分析,并通過對(duì)我國上市銀行每個(gè)投入產(chǎn)出指標(biāo)的具體分析,發(fā)現(xiàn)我國上市銀行存在著非理性擴(kuò)張、人力資源浪費(fèi)、資本利用效率過低、營業(yè)成本過高以及對(duì)息差收入的依賴過大等問題；最后,本文針對(duì)實(shí)證分析得出來的詳細(xì)問題,給出了改善我國上市銀行經(jīng)營績效的具體政策建議,以期對(duì)我國銀行業(yè)的健康發(fā)展有所啟示和幫助。
[Abstract]:At present, our country is in the special period of the social and economic reform entering the middle stage to attack the key points. The banking industry, as the pillar of our financial industry, plays a vital role in the development and stability of our national economy. The banking financial institutions active in China's capital market are mainly 16 listed banks. These 16 listed banks include four large state-owned commercial banks, most of the national joint-stock banks and three city commercial banks. It can be said to be the representative of the highest management level of banking industry in China. Based on this, this paper firstly analyzes some theories of bank performance, and compares and selects the indicators and methods of evaluating bank performance. This paper gives a comprehensive introduction to 16 listed banks in our country, and emphatically analyzes the operating conditions of 16 listed banks in 2011. At the same time, in addition to analyzing the operating conditions of the listed banks in China, it combines with the operating environment of the banking industry in our country. This paper mainly discusses the external environment, such as the running trend of real economy in our country, the intensification of competition in the financial industry and the interest rate market-oriented reform, which has the most far-reaching influence on the banking industry in the future, and analyzes the influence of these environmental changes on the listing of our country. Thirdly, the 16 listed banks are selected as the empirical analysis samples to study the performance of our banking industry. By using the theory of data envelopment analysis (DEAA), we construct an effective bank performance appraisal system and select the number of employees. Shareholders' equity and operating expenses are taken as input indicators, net profit and operating income are selected as output indicators, and the comprehensive efficiency, pure technical efficiency and scale efficiency of 16 listed banks are evaluated and analyzed in detail. Through the specific analysis of each input-output index of listed banks in China, it is found that there are irrational expansion, human resource waste and low efficiency of capital utilization in Chinese listed banks. The operating cost is too high and the dependence on the income of interest margin is too large. Finally, this paper gives the specific policy recommendations to improve the operating performance of listed banks in China, aiming at the detailed problems obtained from the empirical analysis. With a view to the healthy development of China's banking sector has enlightenment and help.
【學(xué)位授予單位】：鄭州大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.33

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