銀行績效評價的統(tǒng)計方法
發(fā)布時間：2019-04-25 13:42
【摘要】：在中國加入世界貿(mào)易組織(WTO)的十年中,中國的銀行業(yè)不斷適應國際金融市場的風云變幻,先后經(jīng)歷自主開放、股份制改革、外資銀行向本土擴張以及國際金融危機等一系列重大變革,銀行業(yè)在發(fā)展中漸漸融入新的管理理念與技術(shù),逐步建立符合社會主義市場經(jīng)濟體制的現(xiàn)代金融體系,走向成熟。然而,由于我國的商業(yè)銀行較西方國家起步晚,在外資銀行先進的發(fā)展理念、管理體系、產(chǎn)品設計面前,整體競爭力依然存在一定差距。我國的銀行業(yè)若不能有效改善業(yè)務結(jié)構(gòu),提升產(chǎn)品創(chuàng)新能力,增強整體競爭力,其生存與發(fā)展壯大將面臨諸多問題,并有可能因經(jīng)營不善出現(xiàn)破產(chǎn)、倒閉甚至發(fā)生影響經(jīng)濟社會發(fā)展大局的嚴重問題。因此,對我國銀行業(yè)目前的績效情況進行科學、客觀、全面地分析評價,找出其在運營過程中存在的關(guān)鍵問題并提出有效的績效提升建議與對策,對增強我國銀行業(yè)的整體競爭力具有重要的理論價值和實踐意義。 本文首先介紹了銀行績效評價的基本理論,包括銀行績效的基本概念、評價的主要指標以及選取指標的依據(jù),闡述了目前績效評價研究的主要方向,對幾種先進的績效評價方法進行分析比對,為本文的實證分析提供理論依據(jù)。筆者根據(jù)國內(nèi)外相關(guān)機構(gòu)、學者在銀行績效評價研究方面已有的研究成果,自行設計了一套操作性較強、指標設置較科學的銀行績效評價指標體系,然后從我國10家上市銀行2009年的年報數(shù)據(jù)中選取各評價指標的指標值,運用因子分析法提取主成份進行綜合分析。分析結(jié)果表明：2009年,我國股份制商業(yè)銀行的總體績效優(yōu)于國有商業(yè)銀行。根據(jù)選取的相關(guān)指標,文章對出現(xiàn)這種結(jié)果的主要原因進行了分析,在對影響我國銀行業(yè)整體績效水平的主要因素進行對比分析后認為：與國內(nèi)商業(yè)銀行相比,我國股份制商業(yè)銀行近年來的發(fā)展逐步成熟,形勢喜人,在規(guī)模效益、經(jīng)營業(yè)務范圍、盈利能力、創(chuàng)新與發(fā)展能力等方面具有較強的競爭優(yōu)勢,但是相比發(fā)達國家的商業(yè)銀行,由于起步晚、基礎(chǔ)差,上述指標水平卻要遜色的多,嚴重制約了我國商業(yè)銀行的整體績效水平。 根據(jù)因子的分析結(jié)果,文章最后針對影響我國商業(yè)銀行績效水平的主要因素提出了建議與對策,希望有助于我國商業(yè)銀行績效的提升和發(fā)展。
[Abstract]:In the ten years since China's accession to the World Trade Organization (WTO), China's banking industry has been constantly adapting to the changes in the international financial market, and has successively experienced independent opening up and joint-stock reform. With the expansion of foreign banks to the mainland and the international financial crisis, the banking industry has gradually integrated new management concepts and technologies, and gradually established a modern financial system in line with the socialist market economy system, and moved towards maturity. However, because the commercial banks in our country started later than the western countries, there is still a certain gap in the overall competitiveness in front of the advanced development concept, management system and product design of the foreign banks. If China's banking industry can not effectively improve its business structure, enhance its product innovation capacity, and enhance its overall competitiveness, its survival and development will face many problems, and it may become bankrupt due to poor management. Closure or even the impact of economic and social development of the overall situation of serious problems. Therefore, this paper makes a scientific, objective, comprehensive analysis and evaluation of the current performance of the banking industry in China, finds out the key problems existing in the process of its operation, and puts forward effective suggestions and countermeasures for the improvement of the performance. It has important theoretical value and practical significance to enhance the overall competitiveness of China's banking industry. This paper first introduces the basic theory of bank performance evaluation, including the basic concept of bank performance, the main indicators of evaluation and the basis of index selection, and expounds the main research direction of performance evaluation at present. Several advanced performance evaluation methods are analyzed and compared to provide theoretical basis for the empirical analysis of this paper. According to the existing research achievements in the field of bank performance evaluation, the author designs a set of bank performance evaluation index system which has strong operability and scientific index setting, according to the research results of domestic and foreign relevant institutions and scholars in the field of bank performance evaluation. Then the index values of each evaluation index are selected from the annual reports of 10 listed banks in China in 2009, and the principal components are extracted by factor analysis for comprehensive analysis. The results show that the overall performance of China's joint-stock commercial banks is better than that of state-owned commercial banks in 2009. According to the selected relevant indicators, the paper analyzes the main reasons for this result. After a comparative analysis of the main factors affecting the overall performance level of the banking industry in China, it is concluded that: compared with the domestic commercial banks, the main factors affecting the overall performance level of the banking industry in China are analyzed. The development of joint-stock commercial banks in China has been gradually mature in recent years, the situation is pleasant, in the economies of scale, business scope, profitability, innovation and development ability and other aspects have a strong competitive advantage, but compared with the commercial banks in developed countries, Because of the late start and poor foundation, the above index level is much inferior, which seriously restricts the overall performance level of commercial banks in China. According to the results of factor analysis, the paper finally puts forward some suggestions and countermeasures for the main factors affecting the performance level of commercial banks in China, hoping to contribute to the improvement and development of the performance of commercial banks in China.
【學位授予單位】：長江大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：O212;F832.2
本文編號：2465159
[Abstract]:In the ten years since China's accession to the World Trade Organization (WTO), China's banking industry has been constantly adapting to the changes in the international financial market, and has successively experienced independent opening up and joint-stock reform. With the expansion of foreign banks to the mainland and the international financial crisis, the banking industry has gradually integrated new management concepts and technologies, and gradually established a modern financial system in line with the socialist market economy system, and moved towards maturity. However, because the commercial banks in our country started later than the western countries, there is still a certain gap in the overall competitiveness in front of the advanced development concept, management system and product design of the foreign banks. If China's banking industry can not effectively improve its business structure, enhance its product innovation capacity, and enhance its overall competitiveness, its survival and development will face many problems, and it may become bankrupt due to poor management. Closure or even the impact of economic and social development of the overall situation of serious problems. Therefore, this paper makes a scientific, objective, comprehensive analysis and evaluation of the current performance of the banking industry in China, finds out the key problems existing in the process of its operation, and puts forward effective suggestions and countermeasures for the improvement of the performance. It has important theoretical value and practical significance to enhance the overall competitiveness of China's banking industry. This paper first introduces the basic theory of bank performance evaluation, including the basic concept of bank performance, the main indicators of evaluation and the basis of index selection, and expounds the main research direction of performance evaluation at present. Several advanced performance evaluation methods are analyzed and compared to provide theoretical basis for the empirical analysis of this paper. According to the existing research achievements in the field of bank performance evaluation, the author designs a set of bank performance evaluation index system which has strong operability and scientific index setting, according to the research results of domestic and foreign relevant institutions and scholars in the field of bank performance evaluation. Then the index values of each evaluation index are selected from the annual reports of 10 listed banks in China in 2009, and the principal components are extracted by factor analysis for comprehensive analysis. The results show that the overall performance of China's joint-stock commercial banks is better than that of state-owned commercial banks in 2009. According to the selected relevant indicators, the paper analyzes the main reasons for this result. After a comparative analysis of the main factors affecting the overall performance level of the banking industry in China, it is concluded that: compared with the domestic commercial banks, the main factors affecting the overall performance level of the banking industry in China are analyzed. The development of joint-stock commercial banks in China has been gradually mature in recent years, the situation is pleasant, in the economies of scale, business scope, profitability, innovation and development ability and other aspects have a strong competitive advantage, but compared with the commercial banks in developed countries, Because of the late start and poor foundation, the above index level is much inferior, which seriously restricts the overall performance level of commercial banks in China. According to the results of factor analysis, the paper finally puts forward some suggestions and countermeasures for the main factors affecting the performance level of commercial banks in China, hoping to contribute to the improvement and development of the performance of commercial banks in China.
【學位授予單位】：長江大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：O212;F832.2
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