基于因子分析法的上市商业银行经营绩效评价研究

发布时间：2018-01-19 06:26

本文关键词： 上市商业银行经营绩效因子分析法　出处：《广西大学》2017年硕士论文　论文类型：学位论文

【摘要】：随着中国金融市场上利率进一步市场化,中国银行业的差异分化越来越明显,传统金融业在互联网金融行业逐渐兴起的互联网时代正面临着前所未有的竞争。在国内互联网金融业与外资银行急剧抢占市场份额的经济大环境下,我国商业银行更应该不断提升服务效率和经营效率,服务效率的提升需要加强员工素质的培训,而经营效率的提升则需要对银行的经营绩效进行科学客观的评价研究。因此,为了能根据我国银行业现在的发展状况提出有针对性的提升其经营效率的意见,本文对我国上市商业银行的经营效率评价研究进行了实证分析,深入挖掘影响商业银行经营绩效评价的因素。在总结了国内外近年来在银行绩效评价领域的相关文献中的各种研究方法后,经过这几种方法对比分析确定了因子分析法作为实证研究方法,并阐述了因子分析法在银行绩效评价中的适应性。在评价体系的构建上,从盈利能力、流动能力、风控能力和发展能力四个方面共选取了 12个评价指标,基本覆盖了商业银行绩效评价的各个主要因素。实证部分所选取的原始数据来源于16个上市商业银行2015年年度报告以及中国金融统计年鉴,经整理和计算后代入实证模型中进行分析,数据具有较强的真实性和实效性,保证了实证分析结果的科学和客观。本文的第四部分是最核心的章节,采用因子分析法和SPSS19.0软件作为实证分析工具对我国上市商业银行2015年经营绩效进行了研究分析,实证分析得出了我国商业银行2015年的绩效得分排名,其中排名第一的是南京银行,排名最后的是交通银行。总体来看,城市商业银行的整体经营绩效比全国性股份制商业银行要好,全国性股份制商业银行整体经营绩效比国有控股商业银行要好。最后根据各个评价指标的得分情况分别对这三类银行绩效情况做出了分析,并分别给出了针对这三类银行的不同发展建议。
[Abstract]:With the further marketization of interest rate in Chinese financial market, the differentiation of Chinese banking industry is becoming more and more obvious. The traditional financial industry is facing unprecedented competition in the Internet era, which is gradually rising in the Internet financial industry. In the economic environment where the domestic Internet financial industry and foreign banks have a sharp share of the market. China's commercial banks should continue to improve service efficiency and operational efficiency, the promotion of service efficiency needs to strengthen the quality of staff training. Therefore, in order to improve the operating efficiency of the banking industry in China, it is necessary to carry out scientific and objective evaluation and study on the operational performance of the banks. Therefore, in order to improve the operational efficiency of the banking industry in China, it is necessary to put forward some suggestions on how to improve the operational efficiency of the banks. This article has carried on the empirical analysis to our country listed commercial bank's management efficiency appraisal research. After summarizing the various research methods in the field of bank performance evaluation at home and abroad in recent years. Through the comparative analysis of these methods, this paper determines the factor analysis as an empirical research method, and expounds the adaptability of factor analysis in the evaluation of bank performance. A total of 12 evaluation indexes were selected in four aspects of mobility, risk control and development ability. It basically covers the main factors of performance evaluation of commercial banks. The raw data selected in the empirical part are from the 2015 annual report of 16 listed commercial banks and the China Financial Statistics Yearbook. After collation and calculation, the data are analyzed in the empirical model. The data has strong authenticity and effectiveness, which ensures the scientific and objective results of empirical analysis. The 4th part of this paper is the core chapter. Using factor analysis and SPSS19.0 software as an empirical analysis tool, the performance of listed commercial banks in China in 2015 was studied and analyzed. Empirical analysis of the performance of China's commercial banks in 2015 ranking, among which the first is the Bank of Nanjing, the last is the Bank of Communications. Overall. The overall operating performance of urban commercial banks is better than that of national joint-stock commercial banks. The overall operating performance of national joint-stock commercial banks is better than that of state-owned holding commercial banks. Finally, according to the scores of each evaluation index, the performance of these three kinds of banks is analyzed. The different development suggestions for these three kinds of banks are given respectively.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.33

【参考文献】