中国商业银行的经营绩效——基于14家上市银行2009年数据的分析

发布时间：2018-05-30 12:42

本文选题：商业银行 + 上市公司　；参考：《金融论坛》2011年05期

【摘要】：本文以中国14家上市商业银行2009年公告数据为基础,以净资产收益率等8个主要财务指标构建盈利因子、偿债因子和可持续发展因子,利用各因子的解释能力计算中国上市商业银行的综合绩效得分。评价结果显示,以南京银行、浦发银行和北京银行为代表的股份制商业银行的经营绩效高于大型国有银行,在赢利能力和可持续发展能力方面,两类银行的差距较为显著。但大型国有银行仍然具有独特的核心竞争力,如庞大的客户资源、广泛的分支网络、稳健的经营战略、隐性的国家信用支持等,从长远角度看,大型国有银行的可持续发展能力与股份制银行并没有显著差异。
[Abstract]:Based on the 2009 announcement data of 14 listed commercial banks in China, this paper constructs profitability factor, debt repayment factor and sustainable development factor based on 8 main financial indexes, such as net asset return rate, etc. The comprehensive performance score of Chinese listed commercial banks is calculated by using the explanatory ability of each factor. The results show that the operating performance of joint-stock commercial banks represented by Nanjing Bank, Pudong Development Bank and Beijing Bank is higher than that of large state-owned banks, and the gap between the two types of banks is significant in terms of profitability and sustainable development ability. However, large state-owned banks still have unique core competitiveness, such as huge customer resources, extensive branch networks, sound management strategy, recessive state credit support, and so on. In the long run, There is no significant difference between the sustainable development ability of large state-owned banks and shareholding banks.
【作者单位】：中央财经大学金融学院;中国工商银行牡丹卡中心;
【分类号】：F832.2

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