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论文编号：	3132
作者编号：	2120082628
上传时间：	2011/6/1 14:34:22
中文题目：	基于财务指标的我国商业银行竞争力评价体系研究
英文题目：	Competition Evaluation System Study of Chinese Commercial Banks based on Financial Index
指导老师：	黄福广
中文关键字：	商业银行 竞争力 评价体系 财务指标
英文关键字：	Commercial Banks; Competition; Evaluation System; Financial Indicator
中文摘要：	金融业是现代经济发展的命脉。占据金融业主体地位的我国商业银行，经受住了全球金融危机的考验，但也面临着诸多挑战。客观、准确地评价并迅速提高我国商业银行的竞争力，可以保障我国金融业的安全，进而保障我国国民经济的安全。 本文应用竞争力理论，分析了我国商业银行的经营特点、盈利模式及未来发展趋势，挖掘出影响我国商业银行竞争力的关键决定因素，构建了我国商业银行竞争力财务指标评价体系，对我国25家商业银行三年财务指标数据进行因子分析，通过对各年度评价结果的趋势分析，及与我国上市商业银行市场估值的比较，验证了本文基于财务指标的商业银行竞争力评价体系的准确性。 本文第一章介绍了论文的研究背景，阐述了金融危机的影响以及我国商业银行的状态。第二章概述与商业银行竞争力有关的概念及相关理论。第三章通过我国商业银行的主要业务和利润构成，了解我国商业银行的主要盈利模式及其竞争力表现，分析我国商业银行的未来发展趋势及其竞争力的关键决定因素。第四章在财务指标体系构建原则基础上，从各个维度分析我国商业银行竞争力，通过对各维度具体财务指标的比较选择，构建出财务指标评价体系。第五章选取我国25家商业银行作为样本，采集2009年、2008年及2007年三年度的财务数据，运用因子分析法得出公共因子及其权重，计算出各商业银行三年数据平均值及各年度的竞争力得分。第六章通过对我国商业银行三年竞争力评价结果的趋势分析，及对主要上市商业银行竞争力评价结果与其市场估值进行比较，评判财务指标评价体系的准确性和实用性，并与美国CAMELS评级系统和我国常用商业银行竞争力评价方法进行比较，指出财务指标评价体系存在的问题和应用中的障碍，形成本研究的结论。
英文摘要：	The financial industry is the lifeblood of modern economic development. Commercial banks, occupying the most important position in Chinese financial industry, have withstood the test of the global financial crisis, but still face many challenges. Objective and accurate assessment of Chinese commercial banks and rapid increase of their competition rapidly will protect the safety of the industry, and protect the safety of our national economy further. Competition theory is used in this paper. Based on analysis of operating characteristics, profitability models and future trends of Chinese commercial banks, the paper tries to dig out the key determinant to the competition of Chinese banks. With the building of evaluation system of financial competition, the paper makes factor analysis of three years of financial data of 25 banks. All the analysis and the market valuation of listed commercial banks verify the accuracy commercial banks’ of competition evaluation system based on financial indicators. Chapter 1 introduces the research background and describes the impact of the financial crisis and the state of Chinese commercial banks. Chapter 2 summarizes the competition theories concerning commercial banks. Chapter 3 firstly analyzes the main business and profits portion of Chinese commercial banks. Then explain the profit model, competitive performance and future trend of commercial banks and the key determinant of competition. Chapter 4 analyzes the competition of Chinese commercial banks based on the principles of financial index. And then constructs an evaluation system of financial index from the competition of the index. Chapter 5 analyzes the financial data from 2007 to 2009 of 25 Commercial banks, finds common factor and weight and calculates out the average value and competition score of each year. Chapter 6 is the conclusion of this paper with a series of analysis and competition.
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