本文關(guān)鍵詞： 銀行業(yè) 上市公司 績(jī)效　出處：《哈爾濱商業(yè)大學(xué)》2014年碩士論文　論文類(lèi)型：學(xué)位論文

【摘要】：隨著改革開(kāi)放的不斷深入和社會(huì)主義市場(chǎng)經(jīng)濟(jì)的蓬勃發(fā)展,我國(guó)現(xiàn)有銀行類(lèi)上市公司十六家,其中包括五家大型國(guó)有商業(yè)銀行,八家全國(guó)性股份制商業(yè)銀行,三家城市商業(yè)銀行。根據(jù)中國(guó)銀行業(yè)協(xié)會(huì)發(fā)布《中國(guó)銀行業(yè)發(fā)展報(bào)告(2012-2013)》顯示,2012年中國(guó)銀行金融機(jī)構(gòu)實(shí)現(xiàn)稅后利潤(rùn)8992億元,同比增長(zhǎng)34.5%,在繼續(xù)其保持健康穩(wěn)健運(yùn)行和快速良好發(fā)展的同時(shí),滬深兩市銀行類(lèi)上市公司日益成為我國(guó)金融市場(chǎng)的砥柱中流。 銀行業(yè)在社會(huì)主義市場(chǎng)經(jīng)濟(jì)的大背景為擁有了廣闊的發(fā)展空間,而其自身的迅速發(fā)展也對(duì)社會(huì)主義市場(chǎng)經(jīng)濟(jì)的健康運(yùn)行提供了有力支撐和財(cái)務(wù)保障。與此同時(shí),作為金融業(yè)主體之一的銀行類(lèi)上市公司,其財(cái)務(wù)狀況和績(jī)效不僅影響到銀行業(yè)自身的發(fā)展,而且還影響到整個(gè)金融業(yè)的健康穩(wěn)健運(yùn)行和快速良好發(fā)展態(tài)勢(shì),甚至對(duì)國(guó)家宏觀經(jīng)濟(jì)運(yùn)行都產(chǎn)生重要影響。金融市場(chǎng)的日益完善與規(guī)范使得銀行業(yè)的操作運(yùn)行變得更加透明公平的同時(shí),也更有利于我們對(duì)其財(cái)務(wù)狀況和績(jī)效進(jìn)行系統(tǒng)而深刻的研究。而在后美國(guó)次級(jí)貸款危機(jī)時(shí)期,面對(duì)國(guó)際經(jīng)濟(jì)環(huán)境日趨復(fù)雜以及中國(guó)履行世貿(mào)協(xié)議銀行業(yè)進(jìn)入全面開(kāi)放階段所帶來(lái)的同業(yè)激烈競(jìng)爭(zhēng),滬深兩市銀行類(lèi)上市公司在承受史無(wú)前例的壓力的同時(shí),也迎來(lái)了一個(gè)千載難逢的轉(zhuǎn)型機(jī)遇。為了適應(yīng)紛繁復(fù)雜的金融環(huán)境并加快自身的建設(shè)與發(fā)展,對(duì)我國(guó)銀行類(lèi)上市公司的績(jī)效進(jìn)行系統(tǒng)全面的分析顯得尤為重要。 因此,通過(guò)選取我國(guó)十六家銀行類(lèi)上市公司作為樣本進(jìn)行分析。這十六家銀行類(lèi)上市公司不僅自身資本實(shí)力雄厚,而且財(cái)務(wù)狀況和績(jī)效相對(duì)優(yōu)異,在一定程度上可以代表整個(gè)銀行業(yè)整體狀況。希望通過(guò)分析這十六家銀行類(lèi)上市公司的績(jī)效,從而以點(diǎn)概面對(duì)銀行業(yè)的現(xiàn)狀和未來(lái)發(fā)展趨勢(shì)進(jìn)行總結(jié),并通過(guò)對(duì)這十六家銀行類(lèi)上市公司的2010-2012年年度報(bào)表披露的相關(guān)財(cái)務(wù)數(shù)據(jù)進(jìn)行實(shí)證分析,找出各自存在的優(yōu)勢(shì)和不足,從而為銀行類(lèi)上市公司自身的發(fā)展、投資者的投資、管理者的決策以及監(jiān)管者的監(jiān)管都提供了可靠的參考依據(jù),進(jìn)而提高其績(jī)效以及在同行業(yè)中的競(jìng)爭(zhēng)力。因此,本文以現(xiàn)代商業(yè)銀行績(jī)效理論為基礎(chǔ),采用理論和實(shí)證相結(jié)合的方法,從盈利能力、償債能力、安全能力、發(fā)展能力四個(gè)維度概述了我國(guó)十六家銀行類(lèi)上市公司績(jī)效基本現(xiàn)狀,并且通過(guò)對(duì)比分析根據(jù)銀行類(lèi)上市公司最新年度報(bào)表所計(jì)算得來(lái)的相關(guān)財(cái)務(wù)指標(biāo),采用主成分分析法對(duì)這十六家銀行類(lèi)上市公司進(jìn)行實(shí)證分析進(jìn)而比較各個(gè)銀行類(lèi)上市公司的績(jī)效,從而全面分析影響績(jī)效諸多因素,并基于此探討提高銀行類(lèi)上市公司績(jī)效的措施。
[Abstract]:With the deepening of reform and opening up and the vigorous development of the socialist market economy, there are 16 listed banks in China, including five large state-owned commercial banks and eight national joint-stock commercial banks. Three city commercial banks. According to the China Banking Development report 2012-2013 released by the China Banking Association, bank of China financial institutions realized after-tax profits of 899.2 billion yuan in 2012. While continuing to maintain healthy and steady operation and rapid and sound development, the listed banks in the Shanghai and Shenzhen stock markets have increasingly become the mainstay of our financial market. In the background of socialist market economy, the banking industry has a broad space for development, and its rapid development has provided strong support and financial guarantee for the healthy operation of the socialist market economy. As one of the main body of the financial industry, the financial status and performance of the bank listed companies not only affect the development of the banking industry itself, but also affect the healthy and steady operation and rapid and good development of the entire financial industry. It even has an important impact on the macro-economic operation of the country. The increasingly perfect and standardized financial markets have made the operation of the banking industry more transparent and fair. It is also more conducive to a systematic and in-depth study of its financial position and performance. And in the post-US subprime crisis, In the face of the increasingly complex international economic environment and the fierce competition brought about by the fact that China's banking industry has entered the stage of full opening up in the implementation of the WTO agreement, while the listed companies in the Shanghai and Shenzhen stock markets are under unprecedented pressure, In order to adapt to the complicated financial environment and accelerate the construction and development of its own, it is particularly important to analyze the performance of Chinese banks listed companies systematically and comprehensively. Therefore, 16 banks listed companies in China are selected as samples. The 16 banks listed companies not only have strong capital strength, but also have excellent financial status and performance. To a certain extent, it can represent the overall situation of the banking industry. It is hoped that by analyzing the performance of these 16 banks listed companies, we can sum up the present situation and future development trend of the banking industry. And through the empirical analysis of the financial data disclosed by the 16 listed bank companies in the 2010-2012 annual statements, we can find out their respective advantages and disadvantages, thus for the development of the banks listed companies themselves, the investment of investors. The decision-making of managers and the supervision of regulators provide a reliable reference basis to improve their performance and competitiveness in the same industry. Therefore, this paper is based on the performance theory of modern commercial banks. Using the method of combining theory and demonstration, this paper summarizes the basic performance of 16 listed banks in China from four dimensions: profitability, solvency, security ability and development ability. And through the comparative analysis of the relevant financial indicators calculated according to the latest annual statements of bank listed companies, The principal component analysis method is used to analyze the performance of the 16 banks listed companies, and then to compare the performance of each bank listed company, so as to analyze the factors that affect the performance of the listed companies. Based on this, the measures to improve the performance of bank listed companies are discussed.
【學(xué)位授予單位】：哈爾濱商業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F832.33;F830.42

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