本文選題：上市銀行　切入點(diǎn)：績(jī)效　出處：《湘潭大學(xué)》2013年碩士論文

【摘要】：上市銀行在現(xiàn)代經(jīng)濟(jì)社會(huì)中扮演了舉足輕重的作用,隨著我國(guó)銀行業(yè)的改制和逐步開(kāi)放,銀行業(yè)慘烈的競(jìng)爭(zhēng)己經(jīng)拉開(kāi)序幕,國(guó)內(nèi)上市商業(yè)銀行面臨著西方發(fā)達(dá)國(guó)家知名外資銀行的競(jìng)爭(zhēng),探究我國(guó)上市商業(yè)銀行經(jīng)營(yíng)績(jī)效評(píng)價(jià)及影響因素,有助于科學(xué)考核上市商業(yè)銀行經(jīng)營(yíng)業(yè)績(jī),提升商業(yè)銀行的績(jī)效水平,增強(qiáng)商業(yè)銀行的競(jìng)爭(zhēng)力。 商業(yè)銀行的績(jī)效評(píng)價(jià)研究一直是近年來(lái)學(xué)術(shù)界的一個(gè)熱點(diǎn)問(wèn)題,對(duì)績(jī)效評(píng)價(jià)的各組成要素中的評(píng)價(jià)主體、評(píng)價(jià)指標(biāo)、評(píng)價(jià)內(nèi)容、評(píng)價(jià)標(biāo)準(zhǔn)以及評(píng)價(jià)方法,都有學(xué)者進(jìn)行過(guò)相關(guān)研究,但由于歷史原因,我國(guó)商業(yè)銀行經(jīng)營(yíng)績(jī)效管理體系的構(gòu)建工作一直不太理想,本文總結(jié)目前國(guó)內(nèi)外有關(guān)商業(yè)銀行績(jī)效評(píng)價(jià)的理論和方法,結(jié)合我國(guó)上市銀行發(fā)展現(xiàn)狀,選擇銀行的財(cái)務(wù)指標(biāo),從盈利性、流動(dòng)性、安全性以及成長(zhǎng)性四個(gè)方面來(lái)建立我國(guó)商業(yè)銀行績(jī)效的評(píng)價(jià)指標(biāo)體系。 本文選擇各大上市銀行在2008年至2012年財(cái)務(wù)指標(biāo)數(shù)據(jù),首先借助SPSS軟件運(yùn)用因子分析針對(duì)商業(yè)銀行績(jī)效進(jìn)行探究與評(píng)分,客觀公正地從銀行安全性、盈利性、成長(zhǎng)性以及流動(dòng)性四個(gè)方面系統(tǒng)全面地構(gòu)建上市銀行績(jī)效評(píng)價(jià)模型,得出總體上國(guó)有銀行普遍遜于其他股份制銀行的結(jié)論。然后,基于各銀行績(jī)效評(píng)分和銀行管理層視角,運(yùn)用EVIEWS軟件建立績(jī)效影響因素的面板數(shù)據(jù)模型,得出影響較顯著的因素分別是前十大股東持股比例、董事會(huì)高管規(guī)模、權(quán)益乘數(shù)和員工素質(zhì)。最后,本文結(jié)合各大上市銀行的實(shí)際情況,從銀行自身角度提出有效而又合理的建議,以期為我國(guó)上市商業(yè)銀行的績(jī)效評(píng)價(jià)的研究提供可行思路以及借鑒之處。
[Abstract]:The listed banks have played an important role in the modern economic society. With the reform and opening of China's banking industry, the fierce competition in the banking industry has already begun.Domestic listed commercial banks are facing the competition of famous foreign banks in western developed countries. It is helpful to scientifically assess the operating performance of listed commercial banks in our country by exploring the performance evaluation and influencing factors of listed commercial banks.Improve the performance of commercial banks, enhance the competitiveness of commercial banks.The research on performance evaluation of commercial banks has been a hot topic in academic circles in recent years.Some scholars have carried out relevant studies, but because of historical reasons, the construction of performance management system of commercial banks in China has not been ideal. This paper summarizes the theories and methods of performance evaluation of commercial banks at home and abroad.According to the present situation of the listed banks in China, this paper selects the financial indexes of the banks, and establishes the evaluation index system of the performance of the commercial banks in our country from the aspects of profitability, liquidity, security and growth.This paper selects the financial index data of the major listed banks from 2008 to 2012, first of all, by using factor analysis of SPSS software to explore and score the performance of commercial banks, objectively and fairly from the bank security, profitability,The performance evaluation model of listed banks is systematically constructed in terms of growth and liquidity, and the conclusion that state-owned banks are generally inferior to other joint-stock banks is concluded.Then, based on the bank performance score and bank management perspective, using EVIEWS software to establish the performance impact factors panel data model, the most significant factors are the top ten shareholder shareholding ratio, board executive size.Equity multiplier and employee quality.Finally, combining with the actual situation of the major listed banks, this paper puts forward effective and reasonable suggestions from the perspective of the banks themselves, in order to provide feasible ideas and lessons for the study of the performance evaluation of listed commercial banks in China.
【學(xué)位授予單位】：湘潭大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.3

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