本文選題：商業(yè)銀行 + 經(jīng)營績效��； 參考：《東華大學》2013年碩士論文

【摘要】：商業(yè)銀行經(jīng)營業(yè)務(wù)及資產(chǎn)負債結(jié)構(gòu)的獨特性決定了適用于一般企業(yè)的經(jīng)營績效評價方法,并不適用于商業(yè)銀行。近幾年來我國明確了商業(yè)銀行作為金融性企業(yè)的定位,人民銀行相繼頒布了一些適用于商業(yè)銀行的績效評價體系。但是從評價方法來看,這些體系缺乏可操作性。隨著我國商業(yè)銀行上市步伐的加快以及我國金融市場的不斷開放,建立一套適合社會投資者的商業(yè)銀行績效評價體系己成為亟待解決的問題。鑒于上述原因,本文以商業(yè)銀行經(jīng)營績效評價為研究對象,在相關(guān)研究基礎(chǔ)上,著重針對績效評價主體、指標與方法選擇和模型建立以及評價標準等問題進行深入探討,以期在現(xiàn)有的研究中理出一條新的思路。 本文采用實證研究和理論研究相結(jié)合的方法,比較分析我國商業(yè)銀行的績效狀況。分析績效差異的原因,提出解決問題的建議。 本文首先介紹了績效評價以及商業(yè)銀行性質(zhì)的相關(guān)概念,并對理論界兒個評價模型進行分析,接著簡要回顧商業(yè)銀行績效評價體系的三種模式及現(xiàn)行指標體系,為構(gòu)建商業(yè)銀行績效評價體系提供一些有益的思路和理論邏輯。 其次,本文從商業(yè)銀行現(xiàn)金流生成路徑角度,通過上市直接融資能力、貸款管理能力及表外業(yè)務(wù)運營能力三個方面對商業(yè)銀行績效進行評價、比較。選取十項財務(wù)指標,構(gòu)建銀行績效評價體系。利用因子分析法,計算出上市的16家商業(yè)銀行績效的綜合得分,對商業(yè)銀行績效進行綜合評價,通過評價發(fā)現(xiàn)各上市商業(yè)銀行間的差距。 最后,文章從可行性和全面性角度,以貸款風險管理機制、金融創(chuàng)新機制、銀保協(xié)作機制、不良資產(chǎn)處置機制、金融生態(tài)優(yōu)化機制五個方面出發(fā),提出提高我國商業(yè)銀行經(jīng)營績效的對策與建議。
[Abstract]:The uniqueness of the business and the structure of assets and liabilities of commercial banks determines that the performance evaluation method suitable for general enterprises is not applicable to commercial banks. In recent years, China has clearly defined the position of commercial banks as financial enterprises, the people's Bank of China has promulgated a number of performance evaluation system suitable for commercial banks. But from the evaluation method, these systems are lack of maneuverability. With the acceleration of the listing of commercial banks in China and the continuous opening of the financial market in our country, it has become an urgent problem to establish a set of performance evaluation system of commercial banks suitable for social investors. In view of the above reasons, this paper takes the performance evaluation of commercial banks as the research object, and on the basis of relevant research, focuses on the performance evaluation subject, the selection of indicators and methods, the establishment of models and evaluation criteria, etc. In order to find a new way of thinking in the existing research. This paper compares and analyzes the performance of commercial banks in China by combining empirical research with theoretical research. Analyze the causes of performance differences and propose solutions. This paper first introduces the related concepts of performance evaluation and the nature of commercial banks, and analyzes the theoretical evaluation models, and then briefly reviews the three models and the current index system of the performance evaluation system of commercial banks. For the construction of commercial bank performance evaluation system to provide some useful ideas and theoretical logic. Secondly, from the perspective of cash flow generation path of commercial banks, this paper evaluates the performance of commercial banks through three aspects: direct financing ability, loan management ability and off-balance sheet operation ability. Ten financial indicators are selected to construct the bank performance evaluation system. By using factor analysis method, the comprehensive scores of 16 listed commercial banks are calculated, and the performance of commercial banks is evaluated comprehensively. The gap between the listed commercial banks is found through the evaluation. Finally, from the perspective of feasibility and comprehensiveness, the paper starts from five aspects: loan risk management mechanism, financial innovation mechanism, bank-insurance cooperation mechanism, non-performing assets disposal mechanism, financial ecological optimization mechanism. The paper puts forward the countermeasures and suggestions to improve the management performance of commercial banks in China.
【學位授予單位】：東華大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.33;F224

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