我国中小上市银行经营绩效提升研究

发布时间：2018-02-01 11:24

本文关键词： 中小上市银行经营绩效因子分析　出处：《郑州大学》2017年硕士论文　论文类型：学位论文

【摘要】：随着我国经济步入新常态,金融市场波动加大,国内银行面临的竞争也愈来愈大。国外商业银行历史悠久,在资金实力、管理经验、业务创新以及科技产品的研发等方面都较国内商业银行有优势。本文研究的目的是对我国中小上市商业银行的经营绩效作出客观、准确的评价,使其明确自己与同行,特别是外资银行间的差距,找准在行业中的定位,继而找出造成差距的原因,改善经营管理,提高绩效水平,确保在国际竞争中保持领先地位。文中首先区别定义了工商企业经营绩效及商业银行经营绩效,根据中小上市商业银行经营绩效的特征确定其内涵,并对银行经营绩效的现有评价方法进行回顾和分类整理,为第三章的实证分析提供理论支撑。随后,在借鉴已有研究结果的基础上,本文从经营者业绩、盈利水平、服务能力和成本效率角度出发,设计了一套科学、有效的商业银行经营绩效评价指标体系。在实证分析部分,本文以我国11家中小上市商业银行和3家代表性外资银行作为研究样本,采用因子分析法确定各指标权重,并计算因子得分及综合得分排名,再根据因子分析结果,对样本银行的经营者业绩、盈利水平、服务能力和成本效率进行详细分析,得出以下四点结论:一是我国中小上市商业银行整体经营者业绩不高,均低于三家外资银行,都存在着管理的薄弱环节;二是招商和浦发银行相对地域较好,盈利水平高,而南京和宁波银行由于自身规模限制,排名靠后;三是在服务能力和成本效率上,研究样本表现参差不齐,但国内银行大部分好于外资银行;四是国内银行自改革上市后经营绩效固然有所提高,但从综合得分来看,与外资银行仍存在较大差距。最后,本文在实证分析的基础上,针对成本效率控制、目标市场及客户、人力资源管理和金融创新等方面,对我国中小上市商业银行经营绩效的提升给出以下对策:一是降低成本收入比;二是实行差异化战略;三是保持适度流动性;四是积极促进金融创新;五是提高员工综合素质;六是完善国内银行治理机制。
[Abstract]:With the Chinese economy into the new normal, increase the volatility of financial markets, domestic banks face competition is more and more. The foreign commercial bank has a long history and experience in financial strength, management, business innovation and technology product development etc. compared with the domestic commercial banks have the advantage. The purpose of this study is to make an objective of the small and Medium Listed Business Bank of China's business performance, accurate evaluation, to identify their peers, especially the gap between foreign banks, find the position in the industry, and then find out the reasons causing the gap, improve management, improve the level of performance, to maintain its leading position in the international competition. The definition of business performance and the difference between the performance of commercial banks firstly in this paper, according to the connotation of determining characteristics of small and medium-sized listed commercial banks, and the existing evaluation methods of the performance of commercial banks Review and classification, to provide theoretical support for the empirical analysis of the third chapter. Then, on the basis of the existing research results, this article from the operator performance, profitability, service capacity and cost efficiency perspective, design a set of scientific evaluation index system, operating performance and effective commercial banks. In the part of empirical analysis based on China's 11 small and medium-sized listed commercial banks and 3 representative foreign banks as the research sample, using the factor analysis method to determine the weight of each index, and calculates the factor scores and comprehensive score ranking, according to the factor analysis results, the sample bank's operator performance, profitability, detailed analysis of service capacity and cost efficiency and draw the following four conclusions: one is the small and medium-sized listed commercial banks in China's overall business performance is not high, lower than three foreign banks, there is a weak link of management; the two is to recruit Taking the relative area and Pudong Development Bank is good, high profit level, while Nanjing and Ningbo banks due to their size restrictions, ranking three; is in service capacity and cost efficiency, the research sample performance is uneven, but most of the good domestic banks to foreign banks; four domestic banks since the reform after the listing of business performance is improved. But from the comprehensive score of view, there is still a wide gap with foreign banks. Finally, based on the empirical analysis, the cost efficiency control, target market and customer, human resources management and financial innovation, for small and medium-sized listed commercial banks of our country business performance improvement gives the following countermeasures: one is to reduce the cost to income ratio; two is to implement the differentiation strategy; the three is to maintain appropriate liquidity; four are actively promoting financial innovation; the five is to improve the overall quality of staff; the six is to improve the governance mechanism of China bank.

【学位授予单位】：郑州大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.33

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