我国上市银行经营绩效研究

发布时间：2018-02-20 07:15

本文关键词： 上市银行经营绩效 DEA模型投入产出　出处：《郑州大学》2013年硕士论文　论文类型：学位论文

【摘要】：目前,我国处于社会经济改革进入中期攻坚阶段的特殊时期,银行业作为我国金融行业的支柱,其对我国国民经济的发展和稳定起着至关重要的作用。目前,活跃于我国资本市场上的银行业金融机构主要是16家上市银行,这16家上市银行包含四家大型国有商业银行和大部分的全国性股份制银行以及三家城市商业银行,可以说是我国银行业最高经营水平的代表。基于此,本文首先对银行绩效的一些理论进行了分析,并针对评价银行经营绩效的指标和方法进行了对比和选择；其次,对我国16家上市银行进行了全面的介绍,并着重分析了2011年16家上市银行的经营运行状况,同时,在分析我国上市银行经营状况之余,结合现今我国银行业经营环境,着重探讨了我国实体经济运行趋势、金融行业竞争加剧以及对我国银行业今后影响最为深远的利率市场化改革等外部环境,并分析了这些环境变化对我国上市的一些影响；再次,选取这16家上市银行作为研究我国银行业经营绩效的实证分析样本,通过运用数据包络分析理论(DEA),构建有效地银行绩效考核体系,选取员工人数、股东权益和营业支出作为投入指标,选取净利润和营业收入为产出指标,对16家上市银行的综合效率、纯技术效率和规模效率进行了详细的测评分析,并通过对我国上市银行每个投入产出指标的具体分析,发现我国上市银行存在着非理性扩张、人力资源浪费、资本利用效率过低、营业成本过高以及对息差收入的依赖过大等问题；最后,本文针对实证分析得出来的详细问题,给出了改善我国上市银行经营绩效的具体政策建议,以期对我国银行业的健康发展有所启示和帮助。
[Abstract]:At present, our country is in the special period of the social and economic reform entering the middle stage to attack the key points. The banking industry, as the pillar of our financial industry, plays a vital role in the development and stability of our national economy. The banking financial institutions active in China's capital market are mainly 16 listed banks. These 16 listed banks include four large state-owned commercial banks, most of the national joint-stock banks and three city commercial banks. It can be said to be the representative of the highest management level of banking industry in China. Based on this, this paper firstly analyzes some theories of bank performance, and compares and selects the indicators and methods of evaluating bank performance. This paper gives a comprehensive introduction to 16 listed banks in our country, and emphatically analyzes the operating conditions of 16 listed banks in 2011. At the same time, in addition to analyzing the operating conditions of the listed banks in China, it combines with the operating environment of the banking industry in our country. This paper mainly discusses the external environment, such as the running trend of real economy in our country, the intensification of competition in the financial industry and the interest rate market-oriented reform, which has the most far-reaching influence on the banking industry in the future, and analyzes the influence of these environmental changes on the listing of our country. Thirdly, the 16 listed banks are selected as the empirical analysis samples to study the performance of our banking industry. By using the theory of data envelopment analysis (DEAA), we construct an effective bank performance appraisal system and select the number of employees. Shareholders' equity and operating expenses are taken as input indicators, net profit and operating income are selected as output indicators, and the comprehensive efficiency, pure technical efficiency and scale efficiency of 16 listed banks are evaluated and analyzed in detail. Through the specific analysis of each input-output index of listed banks in China, it is found that there are irrational expansion, human resource waste and low efficiency of capital utilization in Chinese listed banks. The operating cost is too high and the dependence on the income of interest margin is too large. Finally, this paper gives the specific policy recommendations to improve the operating performance of listed banks in China, aiming at the detailed problems obtained from the empirical analysis. With a view to the healthy development of China's banking sector has enlightenment and help.
【学位授予单位】：郑州大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33

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