發(fā)布時(shí)間：2018-03-07 23:05

  本文選題：商業(yè)銀行　切入點(diǎn)：經(jīng)營(yíng)績(jī)效　出處：《東北財(cái)經(jīng)大學(xué)》2012年碩士論文　論文類型：學(xué)位論文

【摘要】：銀行是現(xiàn)代金融業(yè)的中心,銀行的發(fā)展關(guān)系到銀行體系的運(yùn)作乃至整個(gè)國(guó)家經(jīng)濟(jì)的運(yùn)行。銀行的績(jī)效問題也早已經(jīng)成為金融業(yè)的關(guān)鍵問題,提高銀行績(jī)效是維持國(guó)民經(jīng)濟(jì)穩(wěn)定運(yùn)行、對(duì)外放開銀行業(yè)和積極參與市場(chǎng)競(jìng)爭(zhēng)的關(guān)鍵。 中國(guó)商業(yè)銀行的績(jī)效問題是金融業(yè)的關(guān)鍵性問題,高效率的銀行運(yùn)作,不僅是中國(guó)金融體制演化的必然要求,也是一個(gè)內(nèi)源融資國(guó)家為本國(guó)的國(guó)民經(jīng)濟(jì)發(fā)展提供資金的重要渠道。同時(shí),一國(guó)銀行系統(tǒng)績(jī)效也是構(gòu)成該國(guó)經(jīng)濟(jì)安全的重要因素,一國(guó)銀行自身系統(tǒng)績(jī)效低下,很容易受到國(guó)外金融動(dòng)蕩的沖擊,給國(guó)家經(jīng)濟(jì)資源造成破壞。 本文對(duì)我國(guó)商業(yè)銀行績(jī)效的影響因素進(jìn)行分析,主要介紹了常用的績(jī)效評(píng)價(jià)方法——經(jīng)濟(jì)增加值法、平衡計(jì)分卡法、數(shù)據(jù)包羅分析法、因子分析法和財(cái)務(wù)比率分析法,績(jī)效的衡量指標(biāo)——銀行價(jià)值指標(biāo)、利潤(rùn)率指標(biāo)、資產(chǎn)收益率指標(biāo)和托賓的Q值指標(biāo),并且界定了本文采用財(cái)務(wù)比率分析法,以總資產(chǎn)收益率和凈資產(chǎn)收益率來表示銀行的績(jī)效。實(shí)證部分選取了我國(guó)國(guó)有控股股份制商業(yè)銀行為研究對(duì)象,以總資產(chǎn)收益率和凈資產(chǎn)收益率為衡量銀行績(jī)效的指標(biāo),從銀行的規(guī)模、經(jīng)營(yíng)理念、業(yè)務(wù)能力的角度分析銀行績(jī)效的影響因素,運(yùn)用Eviews統(tǒng)計(jì)軟件,采用多元線性回歸模型,經(jīng)過顯著性檢驗(yàn),判別哪些因素對(duì)以總資產(chǎn)收益率和凈資產(chǎn)收益率表示的績(jī)效有顯著的影響。本文的模型顯示,以總資產(chǎn)收益率來表示銀行績(jī)效時(shí),成本收入比、每股收益、非利息收入占比對(duì)績(jī)效有顯著的影響；以凈資產(chǎn)收益率表示銀行績(jī)效時(shí),存貸比、不良貸款率對(duì)績(jī)效有顯著的影響。文章的最后提出了提高我國(guó)商業(yè)銀行績(jī)效的對(duì)策。
[Abstract]:The bank is the center of the modern financial industry. The development of the bank is related to the operation of the banking system and even the operation of the whole national economy. The performance of the bank has long been a key issue in the financial industry. Improving the bank performance is the key to maintain the stable operation of the national economy, to liberalize the banking industry and to actively participate in the market competition. The performance of China's commercial banks is a key issue in the financial sector. Efficient bank operations are not only the inevitable requirements of the evolution of China's financial system. It is also an important channel for an endogenous financing country to provide funds for its national economic development. At the same time, the performance of a country's banking system is also an important factor that constitutes the economic security of the country. Vulnerable to the impact of foreign financial turmoil, to the national economic resources damage. This paper analyzes the influencing factors of the performance of commercial banks in China, mainly introduces the commonly used performance evaluation method-economic added value method, balanced scorecard method, packet law analysis method, factor analysis method and financial ratio analysis method. The indicators of performance, such as bank value index, profit rate index, asset return index and Tobin's Q value index, are defined in this paper by means of financial ratio analysis. In the empirical part, we select the state-owned shareholding commercial banks as the research object, and take the total return on assets and the return on net assets as the indicators to measure the bank's performance. This paper analyzes the influencing factors of bank performance from the angle of scale, management concept and business ability of banks, and applies Eviews statistical software and multivariate linear regression model, which is tested by significance. The model of this paper shows that when the total rate of return on assets is used to express the bank's performance, the cost-income ratio, earnings per share, and so on. The ratio of non-interest income has a significant impact on the performance, and the ratio of deposit to loan and the ratio of non-performing loans have a significant impact on the performance of the bank. Finally, the paper puts forward some countermeasures to improve the performance of commercial banks in China.
【學(xué)位授予單位】：東北財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.33;F224

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本文編號(hào)：1581340