我国上市银行经营绩效评价与实证研究

发布时间：2018-03-17 21:23

本文选题：上市银行　切入点：经营绩效　出处：《河北经贸大学》2014年硕士论文　论文类型：学位论文

【摘要】：金融业是一个国家经济发展的命脉，银行业又对我国金融业具有举足经重的影响。经过三十多年的改革开放，中国的银行业也发生了翻天覆地的变化，获得了举世瞩目的成果。不过因为过去中国的银行业一直处在计划经济体制下，存在过分注重规模发展而轻视质量建设的问题，企业在经营过程中不以利润最大化为目标，致使企业出现了很多问题，例如资产质量偏低和金融创新性不足等。而且我国仍处在市场经济的初级阶段，银行业的发展与国外发达国家相比还是相对落后，从整体上讲竞争力并不强劲，尤其是中国加入WTO后，伴随着银行业开放的过渡期的结束，由于存在一整套的保护政策，外资银行得到了前所未有的快速发展。在快速发展和强大的外资商业银行的整体实力面前，中国商业银行面临着前所未有的挑战在这样的背景下，中国银行业如果想承受外资银行的冲击，在全球金融风险的竞争中取胜，就必须不断地强大自己，，提高竞争力。而银行的经营绩效最能够反映银行的竞争力，通过对中国上市银行的经营绩效进行比较研究，确定它们之间的差异并找到有效的途径和手段来改善经营业绩，这会对中国银行业发展起到十分重要的作用。本文第一章为绪论。主要说明了论文的研究背景和意义，整理了国内和国内外商业银行在绩效评价方面的理论研究和方法研究，进而确定了本文的研究内容和研究方法，起着总领全文的作用。第二章简要说明了上市银行的经营状况和指标设计。在参考了以前的研究结果和科学的指标体系构建原则之后，确定了中国上市商业银行绩效评价的指标体系。第三章主要说明了上市银行经营绩效的综合评价方法。第四章首先分别使用模糊判断矩阵法、灰色关联分析法和TOPSIS法（逼近理想解排序法）对中国2012年16家上市银行的经营绩效的综合评价结果进行排序。然后对三种方法分别得到的结果进行组合评价，得出代表以上三种评价方法的综合结果。最后对这16家上市商业银行的经营绩效进行比较分析，制定合理的绩效目标并分析改善这种现状的方法。第五章是全文的重中之重，体现了本篇论文的研究意义所在。通过前述章节对上市银行经营绩效的分析，本部分着重提出了对不同类型的商业银行完善和提升其经营绩效的建议和对策。这些建议和对策主要是从金融创新、制度建设、资产质量和成本管理等角度出发，使中国上市商业银行在整个国际竞争中找到自己的发展之路。
[Abstract]:The financial industry is the lifeblood of a country's economic development, and the banking industry has a heavy influence on our financial industry. After more than 30 years of reform and opening up, China's banking industry has also undergone earth-shaking changes. However, since China's banking industry has been under a planned economy system in the past, it has been a problem of paying too much attention to the development of scale and neglecting the construction of quality, and enterprises do not aim at maximizing profits in the course of operation. As a result, enterprises have many problems, such as low asset quality and insufficient financial innovation, and China is still in the initial stage of market economy, and the development of banking industry is relatively backward compared with developed countries. Overall competitiveness is not strong. Especially after China's entry into WTO, with the end of the transitional period of banking opening up, due to the existence of a whole set of protection policies, Foreign banks have got unprecedented rapid development. In the face of rapid development and the overall strength of foreign commercial banks, Chinese commercial banks are facing unprecedented challenges. Against this background, if Chinese banks want to withstand the impact of foreign banks and win the global financial risk competition, they must constantly strengthen themselves. The performance of banks can best reflect the competitiveness of banks. Through the comparative study of the operating performance of listed banks in China, the differences between them are determined and effective ways and means are found to improve their performance. This will play a very important role in the development of China's banking industry. The first chapter is the introduction. It mainly explains the research background and significance of the thesis, collates the theoretical research and method research on the performance evaluation of domestic and foreign commercial banks, and then determines the research content and research methods of this paper. Plays the role of the full text of the master collar. The second chapter briefly explains the operating situation and index design of listed banks. After referring to the previous research results and the principles of scientific index system construction, it determines the performance evaluation index system of listed commercial banks in China. The third chapter mainly explains the comprehensive evaluation method of listed banks' operating performance. Chapter 4th first uses the fuzzy judgment matrix method, Grey relational analysis method and TOPSIS method (approximate ideal solution ranking method) are used to sort the comprehensive evaluation results of 16 listed banks in China in 2012, and then the results obtained by the three methods are evaluated in combination. Finally, the paper makes a comparative analysis of the operating performance of the 16 listed commercial banks, formulates reasonable performance objectives and analyzes the methods to improve the present situation. Chapter 5th is the most important part of the thesis, which reflects the significance of this paper. In this part, the author puts forward some suggestions and countermeasures for different types of commercial banks to improve their business performance. These suggestions and countermeasures are mainly from the perspectives of financial innovation, system construction, asset quality and cost management, etc. China's listed commercial banks in the entire international competition to find their own way of development.
【学位授予单位】：河北经贸大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33

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