银行绩效评价的统计方法

发布时间：2019-04-25 13:42

【摘要】：在中国加入世界贸易组织(WTO)的十年中,中国的银行业不断适应国际金融市场的风云变幻,先后经历自主开放、股份制改革、外资银行向本土扩张以及国际金融危机等一系列重大变革,银行业在发展中渐渐融入新的管理理念与技术,逐步建立符合社会主义市场经济体制的现代金融体系,走向成熟。然而,由于我国的商业银行较西方国家起步晚,在外资银行先进的发展理念、管理体系、产品设计面前,整体竞争力依然存在一定差距。我国的银行业若不能有效改善业务结构,提升产品创新能力,增强整体竞争力,其生存与发展壮大将面临诸多问题,并有可能因经营不善出现破产、倒闭甚至发生影响经济社会发展大局的严重问题。因此,对我国银行业目前的绩效情况进行科学、客观、全面地分析评价,找出其在运营过程中存在的关键问题并提出有效的绩效提升建议与对策,对增强我国银行业的整体竞争力具有重要的理论价值和实践意义。本文首先介绍了银行绩效评价的基本理论,包括银行绩效的基本概念、评价的主要指标以及选取指标的依据,阐述了目前绩效评价研究的主要方向,对几种先进的绩效评价方法进行分析比对,为本文的实证分析提供理论依据。笔者根据国内外相关机构、学者在银行绩效评价研究方面已有的研究成果,自行设计了一套操作性较强、指标设置较科学的银行绩效评价指标体系,然后从我国10家上市银行2009年的年报数据中选取各评价指标的指标值,运用因子分析法提取主成份进行综合分析。分析结果表明：2009年,我国股份制商业银行的总体绩效优于国有商业银行。根据选取的相关指标,文章对出现这种结果的主要原因进行了分析,在对影响我国银行业整体绩效水平的主要因素进行对比分析后认为：与国内商业银行相比,我国股份制商业银行近年来的发展逐步成熟,形势喜人,在规模效益、经营业务范围、盈利能力、创新与发展能力等方面具有较强的竞争优势,但是相比发达国家的商业银行,由于起步晚、基础差,上述指标水平却要逊色的多,严重制约了我国商业银行的整体绩效水平。根据因子的分析结果,文章最后针对影响我国商业银行绩效水平的主要因素提出了建议与对策,希望有助于我国商业银行绩效的提升和发展。
[Abstract]:In the ten years since China's accession to the World Trade Organization (WTO), China's banking industry has been constantly adapting to the changes in the international financial market, and has successively experienced independent opening up and joint-stock reform. With the expansion of foreign banks to the mainland and the international financial crisis, the banking industry has gradually integrated new management concepts and technologies, and gradually established a modern financial system in line with the socialist market economy system, and moved towards maturity. However, because the commercial banks in our country started later than the western countries, there is still a certain gap in the overall competitiveness in front of the advanced development concept, management system and product design of the foreign banks. If China's banking industry can not effectively improve its business structure, enhance its product innovation capacity, and enhance its overall competitiveness, its survival and development will face many problems, and it may become bankrupt due to poor management. Closure or even the impact of economic and social development of the overall situation of serious problems. Therefore, this paper makes a scientific, objective, comprehensive analysis and evaluation of the current performance of the banking industry in China, finds out the key problems existing in the process of its operation, and puts forward effective suggestions and countermeasures for the improvement of the performance. It has important theoretical value and practical significance to enhance the overall competitiveness of China's banking industry. This paper first introduces the basic theory of bank performance evaluation, including the basic concept of bank performance, the main indicators of evaluation and the basis of index selection, and expounds the main research direction of performance evaluation at present. Several advanced performance evaluation methods are analyzed and compared to provide theoretical basis for the empirical analysis of this paper. According to the existing research achievements in the field of bank performance evaluation, the author designs a set of bank performance evaluation index system which has strong operability and scientific index setting, according to the research results of domestic and foreign relevant institutions and scholars in the field of bank performance evaluation. Then the index values of each evaluation index are selected from the annual reports of 10 listed banks in China in 2009, and the principal components are extracted by factor analysis for comprehensive analysis. The results show that the overall performance of China's joint-stock commercial banks is better than that of state-owned commercial banks in 2009. According to the selected relevant indicators, the paper analyzes the main reasons for this result. After a comparative analysis of the main factors affecting the overall performance level of the banking industry in China, it is concluded that: compared with the domestic commercial banks, the main factors affecting the overall performance level of the banking industry in China are analyzed. The development of joint-stock commercial banks in China has been gradually mature in recent years, the situation is pleasant, in the economies of scale, business scope, profitability, innovation and development ability and other aspects have a strong competitive advantage, but compared with the commercial banks in developed countries, Because of the late start and poor foundation, the above index level is much inferior, which seriously restricts the overall performance level of commercial banks in China. According to the results of factor analysis, the paper finally puts forward some suggestions and countermeasures for the main factors affecting the performance level of commercial banks in China, hoping to contribute to the improvement and development of the performance of commercial banks in China.
【学位授予单位】：长江大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：O212;F832.2

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