中外商业银行经营绩效比较研究

发布时间：2018-03-22 14:38

本文选题：商业银行　切入点：经营绩效　出处：《北京林业大学》2013年硕士论文　论文类型：学位论文

【摘要】：随着我国市场经济的发展,金融已逐渐成为现代经济的核心。金融行业以其独特的作用,融入到我国的市场经济发展中,金融已经成为现代经济发展不可或缺的组成部分。因此,作为金融体系的一个重要组成部分——商业银行必将在我国的市场经济中发挥更加重要的作用。国外的商业银行起步较早,经过数百年的发展,其经营运作已经比较成熟。就国外商业银行的实力和竞争力来看,美国、欧盟、日本的商业银行实力雄厚、竞争力强。由于很多历史性的原因,导致我国的商业银行起步较晚,虽然经过30多年的改革和发展,我国各类型的商业银行得到飞速发展形成多元化的格局,经营机制逐步建立、公司治理结构逐渐完善、经营管理和风险控制能力逐渐提高、金融服务不断改进、资产质量和资产规模显著性提高,但是与发达国家的一流商业银行相比,在资产质量、风险管理、流动性管理和综合经营管理等很多方面与其差距明显。因此,我国商业银行应该努力发现与国际一流银行的差距,着力改善自身发展中还存在的问题,以使中国商业银行的竞争力得到显著加强。将我国的商业银行绩效与国外主要商业银行的绩效进行较为全面的对比分析,找到我国商业银行与国外的商业银行之间的差距,从而找到改进我国商业银行经营绩效的方法,具有较强的理论意义和实践意义。本文在对国内外商业银行经营绩效评价体系评述对比后,选用国际上应用最为广泛的CAMEL评级体系为基础,以国内外30家商业银行2009年至2011年的经营情况为研究对象,应用因子分析和对应分析的方法进行实证研究,根据实证结果分别就不同类型的国内商业银行提出了相应的提高经营绩效的措施。
[Abstract]:With the development of our market economy, finance has gradually become the core of modern economy. The financial industry with its unique role into the development of China's market economy, finance has become an indispensable part of modern economic development. Therefore, as the financial system is an important part of commercial banks will play a more important the role of market economy in China.
Foreign commercial banks started earlier, after hundreds of years of development, its operation is relatively mature. The foreign commercial bank's strength and competitiveness, the United States, European Union, Japan's commercial banks are strong, strong competitiveness. Due to many historical causes, the commercial banks in China started late, although after the reform and 30 years of development, various types of commercial banks in China to form a diversified pattern of rapid development, gradually establish a management mechanism, corporate governance structure has gradually improved, operation management and risk control ability gradually increased, financial services continue to improve, the quality of assets and asset size increased significantly, but with the first-class commercial banks compared to developed countries in risk management, asset quality, liquidity management and comprehensive management and many other aspects of its obvious gap. Therefore, our commercial banks should try to find In order to improve the competitiveness of China's commercial banks, the gap between the international and first-class banks should be improved.
China's commercial bank performance and the main foreign commercial bank's performance is analyzed and compared comprehensively, found between Chinese commercial banks and foreign commercial banks to the gap, find ways to improve the operating performance of China's commercial banks, has strong theoretical and practical significance.
Based on the domestic and foreign commercial banks operating performance evaluation system. After the comparison, selection of the application for the CAMEL rating system wide basis, operation in 30 domestic and foreign commercial banks from 2009 to 2011 as the research object, with the method of factor analysis and correspondence analysis of empirical research, according to the empirical results are different the type of domestic commercial banks and puts forward the corresponding measures to improve business performance.

【学位授予单位】：北京林业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F831.2;F224;F832.33

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