本文選題：城市商業(yè)銀行 + 貸款項目��； 參考：《湖南大學(xué)》2012年博士論文

【摘要】：從20世紀(jì)80年代中期開始,為深化經(jīng)濟體制改革,在借鑒國外經(jīng)驗的基礎(chǔ)上,中國嘗試城市信用社的金融體制大改革。在其基礎(chǔ)上組建起來的城市商業(yè)銀行,一定程度上填補了因國有商業(yè)銀行機構(gòu)收縮、城市信用社和農(nóng)村信用社業(yè)務(wù)品種單一、規(guī)模偏小而導(dǎo)致的部分中小城市金融市場缺位和金融服務(wù)的空白,滿足了各類企業(yè)對銀行服務(wù)多層次、多角度的需求,使其成為中國金融業(yè)中不可或缺的組成部分。同時,隨著全球性金融管制的放松、金融競爭的加劇以及金融服務(wù)品種的日1新月異,評價銀行業(yè)績已經(jīng)受到越來越多的重視。中國在加入世界貿(mào)易組織后,商業(yè)銀行與世界銀行業(yè)的融合、接軌速度加快,如何設(shè)計出符合中國城市商業(yè)銀行發(fā)展現(xiàn)狀,科學(xué)合理反映城市商業(yè)銀行貸款項日績效監(jiān)測的指標(biāo)考核體系,已成為銀行業(yè)者關(guān)注的重要課題之一。 本文的研究力圖解決三個問題：一是明確城市商業(yè)銀行貸款項目績效評價系統(tǒng)的概念及其具體內(nèi)涵,尋找貸款項目績效評價系統(tǒng)與一般的績效評價或企業(yè)績效評價的不同之處；二是探討城市商業(yè)銀行貸款項目績效評價指標(biāo)的獲取理論和指導(dǎo)方法,研究如何從利益相關(guān)者角度分析和構(gòu)建績效評價指標(biāo)體系,以及實際績效的數(shù)據(jù)獲取途徑等；三是研究如何進行城市商業(yè)銀行貸款項目績效的綜合評價,以及如何利用績效監(jiān)測結(jié)果來指導(dǎo)項目實施過程的績效持續(xù)改進,并完成對城市商業(yè)銀行貸款項目績效管理的制度設(shè)計 本文以商業(yè)銀行貸款項目管理控制理論為基礎(chǔ),首先對有關(guān)城市商業(yè)銀行以及貸款項目評價等基本理論進行闡述和探討,對城市商業(yè)銀行貸款項目績效評價的現(xiàn)狀進行評價,分析城市商業(yè)銀行貸款項目以及項目績效評價的特征,并比較國內(nèi)外商業(yè)銀行貸款項目的評價體系。然后,論文對城市商業(yè)銀行貸款項目活動的完整性進行評價,并在此基礎(chǔ)上制定項目活動完整性的評價標(biāo)準(zhǔn)。論文依據(jù)城市商業(yè)銀行貸款項目監(jiān)測框架的思路,設(shè)計了包含層次性指標(biāo)體系和過程性指標(biāo)體系的多維度項目監(jiān)測指標(biāo)體系；論文通過分析城市商業(yè)銀行貸款項目績效監(jiān)測指標(biāo)定權(quán)的特點,對城市商業(yè)銀行貸款項目績效評估指標(biāo)權(quán)重約束關(guān)系進行了分析,從而確定多層次交互式定權(quán)方法。在此基礎(chǔ)上,論文建立起一個基于灰色關(guān)聯(lián)分析的城市商業(yè)銀行貸款項目的績效監(jiān)測模型,根據(jù)灰色評估權(quán)值及模糊評判綜合的思想,提出GF算法對現(xiàn)有貸款項目進行綜合評價并對長沙銀行貸款項目進行實證分析。最后,論文通過城市商業(yè)銀行貸款項目績效監(jiān)測體系的實證研究結(jié)果,提出城市商業(yè)銀行貸款項目績效管理的制度設(shè)計,包括設(shè)計原則、流程設(shè)計機構(gòu)設(shè)計、風(fēng)險管理體制、約束體制等制度安排的一系列內(nèi)容。 論文研究基于中國城市商業(yè)銀行發(fā)展的特殊背景,設(shè)計了包含層次性指標(biāo)體系和過程性指標(biāo)體系的多維度貸款項目績效監(jiān)測指標(biāo)體系,建立了基于灰色關(guān)聯(lián)分析的城市商業(yè)銀行貸款項目的績效評估模型,并進行了實證分析,論文的研究成果為城市商業(yè)銀行貸款項目績效監(jiān)測提供了重要的思路和方法。
[Abstract]:From the middle of the 1980s, on the basis of deepening the reform of the economic system and drawing on the experience of foreign countries, China tried to reform the financial system of the city credit cooperatives. The urban commercial banks formed on the basis of it have filled in a certain extent the contraction of the state-owned commercial banks, the urban credit cooperatives and the rural credit cooperatives. The lack of financial market and financial services in some small and medium-sized cities, which are small and small, meet the needs of various enterprises for banking services in various levels and angles, making it an indispensable part of China's financial industry. At the same time, with the relaxation of global financial control, the intensification of financial competition and financial services The new crescent of the 1 new crescent of the variety has been paid more and more attention to. After China's accession to the WTO, the convergence of commercial banks and the world banking industry is quickening. How to design a scientific and reasonable indicator of the performance monitoring of the city commercial bank's loan terms in accordance with the development status of China's urban commercial banks The assessment system has become one of the important issues of concern to banks.
The research of this paper tries to solve three problems: first, to clarify the concept and specific connotation of the performance evaluation system for the loan project of urban commercial banks, to find the difference between the performance evaluation system of the loan project and the general performance evaluation or the enterprise performance evaluation; and the two is to explore the acquisition of the performance evaluation index of the city commercial bank loan project. The theory and the guidance method, study how to analyze and construct the performance evaluation index system from the stakeholder angle, and the way of data acquisition of the actual performance. Three is to study how to carry on the comprehensive evaluation of the performance of the loan project of the city commercial bank and how to use the results of performance monitoring to guide the performance of the project implementation process. Improve and complete the system design of performance management for city commercial bank loan project.
Based on the management and control theory of commercial bank loan project, this paper first expounds and discusses the basic theories about urban commercial banks and loan project evaluation, evaluates the present situation of the performance evaluation of the loan projects of urban commercial banks, analyzes the characteristics of the loan items and the performance evaluation of the urban commercial banks, and compares them with the characteristics of the project performance evaluation. The evaluation system of the loan project of commercial banks at home and abroad. Then, the thesis evaluates the integrity of the activities of the loan project of the city commercial bank, and on this basis makes the evaluation standard of the integrity of the project activities. The paper has designed the hierarchy index system and process on the basis of the thinking way of the monitoring framework of the loan project of the city commercial bank. The multi-dimensional project monitoring index system of the sex index system; by analyzing the characteristics of the performance monitoring index of the city commercial bank loan project, the paper analyzes the weight constraint relation of the performance evaluation index of the city commercial bank loan project, thus determining the multi-level interactive method of power setting. A performance monitoring model of the urban commercial bank loan project based on grey relational analysis is proposed. According to the thought of grey evaluation weight and fuzzy evaluation, the GF algorithm is proposed to evaluate the existing loan projects comprehensively and to carry out an empirical analysis of the Changsha bank loan project. Finally, the paper discusses the performance supervision of the loan project of the city commercial bank. The results of the empirical study of the measurement system put forward the system design of the performance management of the city commercial bank loan projects, including the design principles, the design of the process design institutions, the risk management system, the constraint system and other systematic arrangements.
Based on the special background of the development of urban commercial banks in China, the paper has designed the multi-dimensional loan project performance monitoring index system including the hierarchical index system and the process index system, established the performance evaluation model of the city commercial bank loan project based on the grey relational analysis, and carried out an empirical analysis. The results provide important ideas and methods for the performance monitoring of city commercial bank loan projects.
【學(xué)位授予單位】：湖南大學(xué)
【學(xué)位級別】：博士
【學(xué)位授予年份】：2012
【分類號】：F832.4;F224

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