城市商业银行综合绩效评价研究

发布时间：2018-03-01 03:31

本文关键词： 城市商业银行综合绩效 PLS通径模型　出处：《哈尔滨理工大学》2014年硕士论文　论文类型：学位论文

【摘要】：城市商业银行，前身为城市信用合作社，是经国务院批准，建立的银行类金融机构。几年来，随着城市商业银行的不断变迁、扩张和发展壮大，其在中国金融业的地位也变得举足轻重，不可或缺。不少规模大、经营好的城市商业银行已经不仅仅局限于最初的市场定位，纷纷寻求更好、更大的经营发展战略。近几年，许多城市商业银行已经开始开展跨区域经营业务、逐渐实现差异化经营、大大扩大了市场范围。然而，机遇与挑战并存，在城市商业银行信贷资产急速扩张的同时，一些问题也开始逐渐显现出来，商业银行自身的发展遇到了一定的挑战，从而引起金融界等各界人士的关注。本文就是根据城市商业银行的特点以及在发展过程中出现的问题，在评价经营绩效的基础上，加入对规模绩效的考虑，建立适用于城市商业银行的综合绩效评价指标体系，并通过PLS通径模型对指标数据进行处理分析，从而得出目前城市商业银行的绩效评价结果，并针对该结果提出建议。本文主要包括以下几个部分：第一部分是对城市商业银行的发展现状进行分析。找出其特点和在发展中暴露出来的问题，发现城市商业银行目前发展速度较快，规模扩张程度大、差距较大。第二部分是建立城市商业银行综合绩效评价模型。首先介绍了建立绩效评价指标体系的原则，根据这些原则，针对第一部分介绍的城市商业银行的特点和问题，建立了城市商业银行综合绩效评价指标体系，该指标体系包括经营绩效和规模绩效两个部分。然后，根据所建立的城市商业银行综合绩效评价指标体系的特点，选择使用PLS通径模型对其进行处理分析。第三部分为实证分析。分别选取了15家城市商业银行2012年的指标数据和哈尔滨银行2008-2012年的数据进行分析，，分析结果说明：规模绩效可以对综合绩效水平产生重要的影响，在进行绩效评价时应该将其考虑其中；规模绩效与综合绩效存在正相关关系；根据从经营绩效和规模绩效的匹配程度可以分析出城市商业银行规模与其经营效率是否相符合，从而可以判断出其规模的发展是否合理；发现我国存在规模较大但是综合绩效水平相对较差的城市商业银行；通过对一个银行不同年份数据的分析可以看出该银行在发展过程中的偏差与优势。这两部分，一方面是从与其他城市商业银行的对比分析中找准自己的发展状况和竞争地位，另一方面是通过对银行进行自身的比较而使银行管理层及时发现问题予以改进，只有这两部分结合起来进行分析才能实现对一个城市商业银行的全面评价。最后，针对实证分析所得的结果提出了提高城市商业银行绩效水平的建议，包括注意规模与效率同步发展；提高成本利用效率；加强产品与服务创新；合理规划组织和人才结构。
[Abstract]:City commercial banks, formerly known as city credit cooperatives, are banking financial institutions established by the State Council. Over the past few years, with the continuous changes of urban commercial banks, they have expanded and developed. Its position in China's financial industry has also become important and indispensable. Many large and well-managed city commercial banks have not only limited themselves to the initial market positioning, but also sought better and bigger business development strategies. In recent years, Many city commercial banks have begun to carry out cross-regional business operations and gradually realize differentiated operations, which greatly expand the market scope. However, opportunities and challenges coexist, while the credit assets of urban commercial banks expand rapidly. Some problems also began to appear gradually, the development of commercial banks met with certain challenges, which attracted the attention of people from all walks of life, such as financial circles. According to the characteristics of city commercial banks and the problems in the process of development, this paper, on the basis of evaluating the management performance, adds the consideration to the scale performance, and establishes the comprehensive performance evaluation index system suitable for the city commercial banks. Through the analysis of the index data by PLS path model, the performance evaluation results of the city commercial banks are obtained, and some suggestions are put forward. This article mainly includes the following parts:. The first part is to analyze the present situation of the development of the city commercial bank, find out its characteristics and the problems exposed in the development, and find that the city commercial bank is developing fast, the scale expanding degree is large, and the gap is big. The second part is to establish a comprehensive performance evaluation model of urban commercial banks. Firstly, the principles of establishing performance evaluation index system are introduced. According to these principles, the characteristics and problems of urban commercial banks are discussed in the first part. This paper establishes a comprehensive performance evaluation index system of city commercial banks, which includes two parts: management performance and scale performance. Then, according to the characteristics of the comprehensive performance evaluation index system of urban commercial banks, PLS path model is chosen to process and analyze it. The third part is the empirical analysis. The index data of 15 city commercial banks in 2012 and the data of Harbin Bank from 2008 to 2012 are selected to analyze. The results show that scale performance can have an important impact on the level of comprehensive performance. In the performance evaluation, we should take it into account; scale performance and comprehensive performance have a positive correlation; according to the matching degree of business performance and scale performance, we can analyze whether the scale of urban commercial banks and their operational efficiency are consistent. Therefore, we can judge whether the development of its scale is reasonable or not, and find that there are large scale urban commercial banks in our country, but the level of comprehensive performance is relatively poor. Through the analysis of the data of a bank in different years, we can see the deviation and advantage of the bank in the process of development. On the one hand, the two parts are to find out the development situation and competitive position of the bank from the comparative analysis with other city commercial banks. On the other hand, the bank management can find out the problems in time by comparing the banks. Only by combining the two parts can the comprehensive evaluation of a city commercial bank be realized. Finally, based on the results of empirical analysis, some suggestions are put forward to improve the performance of urban commercial banks, including paying attention to the simultaneous development of scale and efficiency, improving the efficiency of cost utilization, strengthening the innovation of products and services. Rational planning, organization and talent structure.
【学位授予单位】：哈尔滨理工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33

【引证文献】