城市商业银行贷款项目绩效监测研究

发布时间：2018-05-27 23:06

本文选题：城市商业银行 + 贷款项目　；参考：《湖南大学》2012年博士论文

【摘要】：从20世纪80年代中期开始,为深化经济体制改革,在借鉴国外经验的基础上,中国尝试城市信用社的金融体制大改革。在其基础上组建起来的城市商业银行,一定程度上填补了因国有商业银行机构收缩、城市信用社和农村信用社业务品种单一、规模偏小而导致的部分中小城市金融市场缺位和金融服务的空白,满足了各类企业对银行服务多层次、多角度的需求,使其成为中国金融业中不可或缺的组成部分。同时,随着全球性金融管制的放松、金融竞争的加剧以及金融服务品种的日1新月异,评价银行业绩已经受到越来越多的重视。中国在加入世界贸易组织后,商业银行与世界银行业的融合、接轨速度加快,如何设计出符合中国城市商业银行发展现状,科学合理反映城市商业银行贷款项日绩效监测的指标考核体系,已成为银行业者关注的重要课题之一。本文的研究力图解决三个问题：一是明确城市商业银行贷款项目绩效评价系统的概念及其具体内涵,寻找贷款项目绩效评价系统与一般的绩效评价或企业绩效评价的不同之处；二是探讨城市商业银行贷款项目绩效评价指标的获取理论和指导方法,研究如何从利益相关者角度分析和构建绩效评价指标体系,以及实际绩效的数据获取途径等；三是研究如何进行城市商业银行贷款项目绩效的综合评价,以及如何利用绩效监测结果来指导项目实施过程的绩效持续改进,并完成对城市商业银行贷款项目绩效管理的制度设计本文以商业银行贷款项目管理控制理论为基础,首先对有关城市商业银行以及贷款项目评价等基本理论进行阐述和探讨,对城市商业银行贷款项目绩效评价的现状进行评价,分析城市商业银行贷款项目以及项目绩效评价的特征,并比较国内外商业银行贷款项目的评价体系。然后,论文对城市商业银行贷款项目活动的完整性进行评价,并在此基础上制定项目活动完整性的评价标准。论文依据城市商业银行贷款项目监测框架的思路,设计了包含层次性指标体系和过程性指标体系的多维度项目监测指标体系；论文通过分析城市商业银行贷款项目绩效监测指标定权的特点,对城市商业银行贷款项目绩效评估指标权重约束关系进行了分析,从而确定多层次交互式定权方法。在此基础上,论文建立起一个基于灰色关联分析的城市商业银行贷款项目的绩效监测模型,根据灰色评估权值及模糊评判综合的思想,提出GF算法对现有贷款项目进行综合评价并对长沙银行贷款项目进行实证分析。最后,论文通过城市商业银行贷款项目绩效监测体系的实证研究结果,提出城市商业银行贷款项目绩效管理的制度设计,包括设计原则、流程设计机构设计、风险管理体制、约束体制等制度安排的一系列内容。论文研究基于中国城市商业银行发展的特殊背景,设计了包含层次性指标体系和过程性指标体系的多维度贷款项目绩效监测指标体系,建立了基于灰色关联分析的城市商业银行贷款项目的绩效评估模型,并进行了实证分析,论文的研究成果为城市商业银行贷款项目绩效监测提供了重要的思路和方法。
[Abstract]:From the middle of the 1980s, on the basis of deepening the reform of the economic system and drawing on the experience of foreign countries, China tried to reform the financial system of the city credit cooperatives. The urban commercial banks formed on the basis of it have filled in a certain extent the contraction of the state-owned commercial banks, the urban credit cooperatives and the rural credit cooperatives. The lack of financial market and financial services in some small and medium-sized cities, which are small and small, meet the needs of various enterprises for banking services in various levels and angles, making it an indispensable part of China's financial industry. At the same time, with the relaxation of global financial control, the intensification of financial competition and financial services The new crescent of the 1 new crescent of the variety has been paid more and more attention to. After China's accession to the WTO, the convergence of commercial banks and the world banking industry is quickening. How to design a scientific and reasonable indicator of the performance monitoring of the city commercial bank's loan terms in accordance with the development status of China's urban commercial banks The assessment system has become one of the important issues of concern to banks.
The research of this paper tries to solve three problems: first, to clarify the concept and specific connotation of the performance evaluation system for the loan project of urban commercial banks, to find the difference between the performance evaluation system of the loan project and the general performance evaluation or the enterprise performance evaluation; and the two is to explore the acquisition of the performance evaluation index of the city commercial bank loan project. The theory and the guidance method, study how to analyze and construct the performance evaluation index system from the stakeholder angle, and the way of data acquisition of the actual performance. Three is to study how to carry on the comprehensive evaluation of the performance of the loan project of the city commercial bank and how to use the results of performance monitoring to guide the performance of the project implementation process. Improve and complete the system design of performance management for city commercial bank loan project.
Based on the management and control theory of commercial bank loan project, this paper first expounds and discusses the basic theories about urban commercial banks and loan project evaluation, evaluates the present situation of the performance evaluation of the loan projects of urban commercial banks, analyzes the characteristics of the loan items and the performance evaluation of the urban commercial banks, and compares them with the characteristics of the project performance evaluation. The evaluation system of the loan project of commercial banks at home and abroad. Then, the thesis evaluates the integrity of the activities of the loan project of the city commercial bank, and on this basis makes the evaluation standard of the integrity of the project activities. The paper has designed the hierarchy index system and process on the basis of the thinking way of the monitoring framework of the loan project of the city commercial bank. The multi-dimensional project monitoring index system of the sex index system; by analyzing the characteristics of the performance monitoring index of the city commercial bank loan project, the paper analyzes the weight constraint relation of the performance evaluation index of the city commercial bank loan project, thus determining the multi-level interactive method of power setting. A performance monitoring model of the urban commercial bank loan project based on grey relational analysis is proposed. According to the thought of grey evaluation weight and fuzzy evaluation, the GF algorithm is proposed to evaluate the existing loan projects comprehensively and to carry out an empirical analysis of the Changsha bank loan project. Finally, the paper discusses the performance supervision of the loan project of the city commercial bank. The results of the empirical study of the measurement system put forward the system design of the performance management of the city commercial bank loan projects, including the design principles, the design of the process design institutions, the risk management system, the constraint system and other systematic arrangements.
Based on the special background of the development of urban commercial banks in China, the paper has designed the multi-dimensional loan project performance monitoring index system including the hierarchical index system and the process index system, established the performance evaluation model of the city commercial bank loan project based on the grey relational analysis, and carried out an empirical analysis. The results provide important ideas and methods for the performance monitoring of city commercial bank loan projects.
【学位授予单位】：湖南大学
【学位级别】：博士
【学位授予年份】：2012
【分类号】：F832.4;F224

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