【摘要】：金融是現(xiàn)代經(jīng)濟(jì)的核心,而銀行業(yè)在整個(gè)金融系統(tǒng)中往往占有舉足輕重的位置。商業(yè)銀行體系不穩(wěn)定,必然引起經(jīng)濟(jì)金融的動(dòng)蕩,因此,保持商業(yè)銀行的長(zhǎng)期穩(wěn)健發(fā)展對(duì)經(jīng)濟(jì)金融的穩(wěn)定與發(fā)展具有重要意義。商業(yè)銀行可持續(xù)發(fā)展是指商業(yè)銀行在遵循金融發(fā)展和自身發(fā)展客觀規(guī)律的前提下,不斷適應(yīng)經(jīng)濟(jì)社會(huì)發(fā)展環(huán)境的變化,通過建立健全經(jīng)營(yíng)管理體制,優(yōu)化內(nèi)部運(yùn)行機(jī)制,合理有效地開發(fā)和配置資金、機(jī)構(gòu)、人力等金融資源,提高金融效率,增強(qiáng)盈利能力、風(fēng)險(xiǎn)防控能力和業(yè)務(wù)創(chuàng)新能力,提供優(yōu)質(zhì)的金融產(chǎn)品和服務(wù),創(chuàng)造良好的企業(yè)文化和品牌形象,同時(shí)在追求當(dāng)前發(fā)展的過程中,不以犧牲未來的利益為代價(jià),并積極協(xié)調(diào)規(guī)模與效率、管理與創(chuàng)新、質(zhì)量與速度、長(zhǎng)遠(yuǎn)利益與短期利益、自身效益與社會(huì)效益之間的關(guān)系,最終實(shí)現(xiàn)全面、持續(xù)、均衡、穩(wěn)健發(fā)展。對(duì)商業(yè)銀行可持續(xù)發(fā)展水平進(jìn)行測(cè)度和比較,將有助于準(zhǔn)確掌握商業(yè)銀行現(xiàn)在和未來發(fā)展?fàn)顩r,制定促進(jìn)商業(yè)銀行可持續(xù)發(fā)展的對(duì)策,進(jìn)而實(shí)現(xiàn)商業(yè)銀行與經(jīng)濟(jì)、社會(huì)、環(huán)境相互影響、相互作用下的協(xié)調(diào)發(fā)展。 本文對(duì)商業(yè)銀行可持續(xù)發(fā)展的研究主要是以金融可持續(xù)發(fā)展理論為指導(dǎo),同時(shí)借鑒金融生態(tài)理論、銀行危機(jī)理論等理論成果。首先,本文對(duì)商業(yè)銀行可持續(xù)發(fā)展的內(nèi)涵進(jìn)行界定,系統(tǒng)闡述了商業(yè)銀行可持續(xù)發(fā)展的涵義、特點(diǎn)、總體原則和基本要求,重點(diǎn)分析了商業(yè)銀行實(shí)現(xiàn)可持續(xù)發(fā)展對(duì)銀行業(yè)以及對(duì)經(jīng)濟(jì)社會(huì)發(fā)展的促進(jìn)作用。其次,分析影響商業(yè)銀行可持續(xù)發(fā)展的主要因素,并從資源、能力、效率、環(huán)境四個(gè)方面進(jìn)行分類說明,找到反映這些因素的典型指標(biāo),構(gòu)成商業(yè)銀行可持續(xù)發(fā)展評(píng)價(jià)指標(biāo)體系。然后,通過聚類分析法對(duì)商業(yè)銀行可持續(xù)發(fā)展評(píng)價(jià)指標(biāo)體系進(jìn)行篩選,并結(jié)合數(shù)據(jù)的可獲得性及指標(biāo)的代表性,建立可直接用于計(jì)量的商業(yè)銀行可持續(xù)發(fā)展測(cè)度指標(biāo)體系。在此基礎(chǔ)上,運(yùn)用因子分析法對(duì)商業(yè)銀行可持續(xù)發(fā)展水平進(jìn)行測(cè)度。最后,根據(jù)測(cè)度結(jié)果,對(duì)5家國(guó)有控股大型商業(yè)銀行,8家股份制商業(yè)銀行,3家上市城市商業(yè)銀行,2009-2011年間的可持續(xù)發(fā)展水平進(jìn)行評(píng)價(jià)和比較。既進(jìn)行綜合比較,也進(jìn)行分類比較；既進(jìn)行測(cè)度指標(biāo)比較,也進(jìn)行因子得分比較；既進(jìn)行不同類型之間商業(yè)銀行總體可持續(xù)發(fā)展水平的比較,也進(jìn)行同一類型內(nèi)部各商業(yè)銀行可持續(xù)發(fā)展水平的比較。通過比較,找到不同類型商業(yè)銀行在可持續(xù)發(fā)展方面的優(yōu)勢(shì)和劣勢(shì),進(jìn)而制定促進(jìn)商業(yè)銀行可持續(xù)發(fā)展的總體戰(zhàn)略和具體措施。 通過測(cè)度與比較得出結(jié)論：2011年,招商銀行、興業(yè)銀行和民生銀行的可持續(xù)發(fā)展水平排在前三名,華夏銀行和農(nóng)業(yè)銀行排在后兩名,總體上看,股份制商業(yè)銀行的可持續(xù)發(fā)展水平高于國(guó)有控股大型商業(yè)銀行,國(guó)有控股大型商業(yè)銀行的可持續(xù)發(fā)展水平高于上市城市商業(yè)銀行。國(guó)有控股大型商業(yè)銀行在資產(chǎn)規(guī)模、中間業(yè)務(wù)收入、資本實(shí)力、盈利能力、政策支持等方面具有比較優(yōu)勢(shì)；股份制商業(yè)銀行在風(fēng)險(xiǎn)防范、人力資源、流動(dòng)性管理、薪酬福利、發(fā)展能力、客戶服務(wù)等方面具有比較優(yōu)勢(shì)；上市城市商業(yè)銀行在成本控制、人均利潤(rùn)、社會(huì)效益方面具有比較優(yōu)勢(shì)。 2009至2011年,在國(guó)有控股大型商業(yè)銀行內(nèi)部,建設(shè)銀行和工商銀行的可持續(xù)發(fā)展水平一直排在前兩位,中國(guó)銀行和交通銀行的可持續(xù)發(fā)展水平位于中游,農(nóng)業(yè)銀行的可持續(xù)發(fā)展水平最低。在上市的股份制商業(yè)銀行內(nèi)部,招商銀行和興業(yè)銀行的可持續(xù)發(fā)展水平一直位于前兩名,華夏銀行可持續(xù)發(fā)展水平處于最末位。民生銀行可持續(xù)發(fā)展水平的排名基本穩(wěn)定在三四名之間,中信銀行可持續(xù)發(fā)展水平的排名呈現(xiàn)上升趨勢(shì),上海浦東發(fā)展銀行、光大銀行、深圳發(fā)展銀行可持續(xù)發(fā)展水平的排名出現(xiàn)下降態(tài)勢(shì)。已上市的城市商業(yè)銀行和農(nóng)村商業(yè)銀行的可持續(xù)發(fā)展水平要明顯高于非上市的城市商業(yè)銀行和農(nóng)村商業(yè)銀行。 研究結(jié)果表明：資源因素是商業(yè)銀行可持續(xù)發(fā)展的基礎(chǔ)；能力因素是商業(yè)銀行可持續(xù)發(fā)展的條件；效率因素是對(duì)資源和能力的有效整合,是商業(yè)銀行可持續(xù)發(fā)展的核心；環(huán)境因素是商業(yè)銀行可持續(xù)發(fā)展的重要保障。只有統(tǒng)籌兼顧資源、能力、效率、環(huán)境四個(gè)方面因素,才能有效促進(jìn)商業(yè)銀行的可持續(xù)發(fā)展。本文提出：完善公司治理結(jié)構(gòu)和內(nèi)部控制機(jī)制,推進(jìn)綜合經(jīng)營(yíng)和跨國(guó)經(jīng)營(yíng),加強(qiáng)金融創(chuàng)新與風(fēng)險(xiǎn)防控的協(xié)調(diào)平衡,同時(shí)培育和改善金融生態(tài)環(huán)境,是實(shí)現(xiàn)商業(yè)銀行可持續(xù)發(fā)展的必由之路。 本文的創(chuàng)新之處：一是從資源、能力、效率、環(huán)境四個(gè)維度全方位地分析影響商業(yè)銀行可持續(xù)發(fā)展的因素,構(gòu)建了涵蓋各項(xiàng)影響因素的商業(yè)銀行可持續(xù)發(fā)展評(píng)價(jià)體系。二是評(píng)價(jià)指標(biāo)除了選取經(jīng)濟(jì)(財(cái)務(wù))指標(biāo)外,還選取了政策支持度、客戶滿意度和公益捐贈(zèng)指數(shù)等定性指標(biāo)和特色指標(biāo),力求更加全面地反映商業(yè)銀行與經(jīng)濟(jì)、社會(huì)、環(huán)境相互影響、相互作用下的協(xié)調(diào)發(fā)展。三是在指標(biāo)篩選過程中,采取聚類分析和典型性分析相結(jié)合的方法,既精簡(jiǎn)了指標(biāo)數(shù)量,又避免了純數(shù)據(jù)計(jì)算與實(shí)際情況的偏差。四是根據(jù)測(cè)度結(jié)果,對(duì)商業(yè)銀行可持續(xù)發(fā)展水平進(jìn)行評(píng)級(jí),為商業(yè)銀行的縱向、橫向比較及政策制定提供了參考依據(jù)。五是在比較分析中增加了社會(huì)責(zé)任因子,將商業(yè)銀行履行社會(huì)責(zé)任情況進(jìn)行量化,并納入到整體的分析框架之中,使商業(yè)銀行可持續(xù)發(fā)展的內(nèi)涵得到更加突出的體現(xiàn)。六是運(yùn)用三年數(shù)據(jù)進(jìn)行因子分析,既得到不同商業(yè)銀行可持續(xù)發(fā)展水平的年度排名,又反映出同一家商業(yè)銀行可持續(xù)發(fā)展水平的動(dòng)態(tài)變化過程,使商業(yè)銀行可持續(xù)發(fā)展的比較更加全面、系統(tǒng)。
[Abstract]:Finance is the core of the modern economy, and the banking industry plays an important role in the whole financial system. The system of commercial bank is not stable, it will cause the economic and financial turmoil, so it is of great significance to keep the long-term and steady development of the commercial bank in the stability and development of the economic finance. The sustainable development of commercial banks means that the commercial banks adapt to the changes of the economic and social development environment under the premise of following the objective law of financial development and self-development, and through establishing and perfecting the management and management system, optimizing the internal operation mechanism, and reasonably and effectively developing and configuring funds and institutions, Financial resources, such as human resources, improve financial efficiency, enhance profitability, risk prevention and control ability and business innovation ability, provide high-quality financial products and services, and create good corporate culture and brand image, while in the process of pursuing current development, The relationship between scale and efficiency, management and innovation, quality and speed, long-term benefit and short-term benefit, self-benefit and social benefit is not made at the expense of the sacrifice of the future benefit, and finally the comprehensive, continuous, balanced and stable development is realized. The measure and comparison of the sustainable development level of the commercial bank will help to master the current and future development of the commercial bank, formulate the countermeasures to promote the sustainable development of the commercial bank, and further realize the mutual influence of the commercial bank with the economy, the society and the environment, The coordinated development under the interaction. The research on the sustainable development of commercial banks is guided by the theory of the sustainable development of finance, and at the same time, from the theory of financial ecology, the theory of bank crisis, etc. First, this paper defines the connotation of the sustainable development of commercial banks, and systematically expounds the meaning, characteristics, general principles and basic requirements of the sustainable development of commercial banks, and analyzes the promotion of the sustainable development of commercial banks to the banking industry and the development of economic and social development. Secondly, the paper analyzes the main factors that affect the sustainable development of the commercial bank, and makes a classification description from the four aspects of resources, capability, efficiency and environment, and finds the typical index which reflects these factors, and forms the index body of the sustainable development of the commercial bank. Then, the index system of the sustainable development of commercial banks is selected by cluster analysis, and the indicators of sustainable development of commercial banks that can be directly used for measurement can be established by using the representative of the availability and the index of the data. On this basis, the sustainable development level of commercial banks is measured by the factor analysis method. Finally, according to the measure results,5 state-owned large-scale commercial banks,8 joint-stock commercial banks and 3 listed urban commercial banks are evaluated and compared with the sustainable development level in 2009-2011 The comparison between different types of commercial banks' overall sustainable development level and the ratio of the sustainable development level of all commercial banks in the same type are also carried out. By comparing, the advantages and disadvantages of different types of commercial banks in the sustainable development are found, and the overall strategy and specific measures to promote the sustainable development of commercial banks By means of measurement and comparison, it is concluded that the sustainable development level of China Merchants Bank, Industrial Bank and Minsheng Bank is the first three in 2011, and the top two of Huaxia Bank and Agricultural Bank of China On the other hand, the sustainable development level of the joint-stock commercial banks is higher than that of the state-owned large-scale commercial banks, and the sustainable development level of the state-controlled large-scale commercial banks is higher than that of the listed cities The state-owned large-scale commercial bank has a comparative advantage in the aspects of asset size, intermediate business income, capital strength, profitability, policy support and the like; and the joint-stock commercial bank has a comparative advantage in the aspects of risk prevention, human resource, liquidity management, compensation and welfare, and the like. has a comparative advantage in terms of capability, customer service and the like; and the listed city commercial bank has a ratio in terms of cost control, per capita profit and social benefit From 2009 to 2011, in the state-owned large-scale commercial bank, the sustainable development level of the Bank of China and the Industrial and Commercial Bank of China has been at the top two. The sustainable development level of the Bank of China and the Bank of Communications is in the middle reaches, and the sustainable development of the Agricultural Bank of China The level of the exhibition is the lowest. The sustainable development level of China Merchants Bank and Xingye Bank has been at the top two in the listed joint-stock commercial bank, and the sustainable development level of Huaxia Bank In the last place, the ranking of the sustainable development level of the Minsheng Bank is basically stable, and the ranking of the sustainable development level of Citic Bank shows an upward trend, and the ranking of the sustainable development level of Shanghai Pudong Development Bank, the Everbright Bank and the Shenzhen Development Bank The level of sustainable development of listed urban commercial banks and rural commercial banks is higher than that of non-listed urban commercial banks and non-agricultural commercial banks The research results show that the resource factor is the basis of the sustainable development of the commercial bank; the ability factor is the condition of the sustainable development of the commercial bank; the efficiency factor is the effective integration of the resources and the ability, and the commercial bank can The core of sustainable development; environmental factors are the sustainable development of commercial banks The important guarantee of the development is that the commercial silver can be effectively promoted only if the resources, the capacity, the efficiency and the environment are integrated into account. The paper put forward that: to perfect the corporate governance structure and the internal control mechanism, to promote the comprehensive management and the transnational operation, to strengthen the coordination balance between the financial innovation and the risk prevention and control, and to foster and improve the financial ecological environment, so as to realize the sustainable development of the commercial bank The only way to develop is to analyze the factors that affect the sustainable development of commercial banks from the aspects of resource, ability, efficiency and environment. Second, the evaluation index, in addition to selecting economic (financial) indicators, also selected qualitative and characteristic indexes such as policy support, customer satisfaction and public welfare donation index, and strive to reflect the commercial bank and economy more comprehensively, the influence of the society and the environment, and the phase The third is to combine the cluster analysis and the typical analysis in the process of the index selection, not only to reduce the number of the indexes but also to avoid the pure data meter. 4. According to the measure result, the sustainable development level of the commercial bank is rated, which is the longitudinal, horizontal comparison and policy of the commercial bank. A reference basis is provided. Fifth, the social responsibility factor is added to the comparative analysis, and the commercial bank's social responsibility is quantified and integrated into the overall analysis framework, so as to make the sustainable development of the commercial bank The sixth is to use the three-year data to carry on the factor analysis, not only the annual ranking of the sustainable development level of different commercial banks, but also the dynamic change process of the sustainable development level of the same commercial bank, so as to make the commercial bank sustainable development
【學(xué)位授予單位】：遼寧大學(xué)
【學(xué)位級(jí)別】：博士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.33

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