本文選題：商業(yè)銀行 + 績效評價(jià)　； 參考：《山東財(cái)經(jīng)大學(xué)》2012年碩士論文

【摘要】：金融行業(yè)是現(xiàn)代經(jīng)濟(jì)的重要組成部分，構(gòu)建一個(gè)穩(wěn)健高效的金融體系是關(guān)系到一個(gè)國家經(jīng)濟(jì)能否健康穩(wěn)定和諧發(fā)展的重要條件。商業(yè)銀行作為金融體系中的核心部門，其所起的作用變得越來越舉足輕重。商業(yè)銀行作為特殊的企業(yè)，在日常經(jīng)營中遵循安全性、流動(dòng)性和收益性的三性原則。商業(yè)銀行跟一般的企業(yè)一樣，以追求利潤為目的，，有自身收益性的要求，特別是上市商業(yè)銀行擔(dān)負(fù)著對股東利益最大化的重責(zé)。這就決定了每個(gè)商業(yè)銀行都不能忽視內(nèi)部的績效管理，提高銀行的績效水平成了經(jīng)營者和債權(quán)人首先考慮的問題。因此，加強(qiáng)商業(yè)銀行績效評價(jià)問題的研究，已經(jīng)變成我國商業(yè)銀行增強(qiáng)自身競爭能力的根本途徑，也是與國際金融業(yè)接軌的迫切需要。 本文基于2010年13家上市商業(yè)銀行年報(bào)數(shù)據(jù)，從商業(yè)銀行的盈利性、安全性、流動(dòng)性和發(fā)展能力四個(gè)方面著手，運(yùn)用SPSS軟件，通過因子分析，對我國上市商業(yè)銀行的綜合績效進(jìn)行排名。得出結(jié)果之后，又分別對所選取的每個(gè)指標(biāo)進(jìn)行分析，分別對代表安全性的資產(chǎn)收益率和因子分析綜合得分進(jìn)行相關(guān)性檢驗(yàn)。從檢驗(yàn)結(jié)果來看，利用因子分析法得出的綜合得分能夠比較理想地體現(xiàn)每一家商業(yè)銀行在2010年經(jīng)營績效的綜合表現(xiàn)，這也是本文的創(chuàng)新之處。 最后圍繞實(shí)證分析中的四個(gè)公共因子對得出的結(jié)果進(jìn)行逐一分析。從分析結(jié)果來看，判斷一家銀行的績效，應(yīng)該以盈利能力為首要指標(biāo)；從長期來看，中、小型商業(yè)銀行可能會(huì)面臨流動(dòng)性管理的挑戰(zhàn)，加強(qiáng)流動(dòng)性金融風(fēng)險(xiǎn)的管理已成為商業(yè)銀行，特別是中、小型商業(yè)銀行的重點(diǎn)；在盈利指標(biāo)上，中、小型商業(yè)銀行在凈資產(chǎn)收益率和人均利潤額指標(biāo)上的表現(xiàn)明顯優(yōu)于大型商業(yè)銀行；在發(fā)展能力上，原始基數(shù)比較小的中、小型商業(yè)銀行有比較快速的增長幅度。
[Abstract]:The financial industry is an important part of the modern economy, and the construction of a stable and efficient financial system is an important condition for the healthy, stable and harmonious development of a country's economy. As the core sector of the financial system, commercial banks play a more and more important role. Commercial banks, as special enterprises, follow the three principles of safety, liquidity and profitability in their daily operations. Like ordinary enterprises, commercial banks have the requirement of profit, especially the listed commercial banks bear the heavy responsibility to maximize the interests of shareholders. This determines that every commercial bank can not ignore the internal performance management, improve the performance level of the bank has become the first consideration of managers and creditors. Therefore, strengthening the research on the performance evaluation of commercial banks has become the fundamental way for our commercial banks to enhance their competitiveness, and is also an urgent need to meet the needs of international financial industry. Based on the annual report data of 13 listed commercial banks in 2010, this paper starts with the four aspects of profitability, security, liquidity and development ability of commercial banks, using SPSS software and factor analysis. The comprehensive performance of listed commercial banks in China is ranked. After the results are obtained, each index selected is analyzed respectively, and the comprehensive score of asset return and factor analysis, which represents security, is tested respectively. From the test results, the comprehensive score obtained by factor analysis can reflect the comprehensive performance of every commercial bank in 2010, which is the innovation of this paper. Finally, the results are analyzed one by one around the four common factors in the empirical analysis. Judging from the results of the analysis, the primary indicator of a bank's performance should be profitability. In the long run, small and medium-sized commercial banks may face the challenge of liquidity management. Strengthening the management of liquidity financial risk has become the focus of commercial banks, especially small and medium-sized commercial banks. The performance of small commercial banks in the index of return on net assets and per capita profit is obviously superior to that of large commercial banks.
【學(xué)位授予單位】：山東財(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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