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论文编号：	4313
作者编号：	2120102273
上传时间：	2012/6/6 22:49:50
中文题目：	我国上市商业银行经营绩效及其影响因素的研究
英文题目：	The Research of Our Country’s Listed Commercial Banks’ Management Performance and it’s Influencing Factors
指导老师：	陈国欣教授
中文关键字：	上市商业银行;经营绩效;因子分析;影响因素
英文关键字：	Listed Commercial banks;Business Performance;Factor Analysis; Influence Factors
中文摘要：	经济是金融的重要基础，金融可以影响并反映经济的发展情况。商业银行是金融机构的重要组成部分，而我国上市商业银行又是商业银行的重要组成部分。所以从这个层面来说，我国经济要进一步发展离不开上市商业银行的金融服务，更离不开商业银行的资金支持。研究上市商业银行的经营绩效，分析其优势和不足之处及其影响经营绩效的因素，有利于金融市场的稳定，从而促进经济的健康、可持续发展。 本文选取了我国14家已经上市的商业银行作为研究样本， 首先从盈利性、安全性、流动性、可持续发展性四个方面，采用因子分析方法评价了包括国有商业银行、中小股份制商业银行、城市商业银行三类上市商业银行的经营绩效，分析了不同类型上市商业银行经营的差异，同时分别从三类上市商业银行中选取具有代表性的银行进行案例分析，进一步验证前文的研究结论。 接着本文运用回归分析方法，以因子分析法中评价的商业银行经营绩效为被解释变量，以宏观经济和银行微观代表性指标为解释变量，构建相关回归模型，找出影响我国上市商业银行经营绩效的真正原因。研究结果显示：GDP实际增长率、手续费及佣金收入占主营业务收入比、资产总额、员工平均薪酬和上市商业银行经营绩效显着正相关，人均存款、人均贷款和上市商业银行经营绩效若弱正相关。前十大客户贷款比例之和、前十大股东持股比例之和与上市商业银行的经营绩效显着负相关。上市公司实际控制人类别、高管薪酬与上市商业银行的经营绩效负相关。 在全面分析了我国上市商业银行的经营状况后，本文总结了其影响因素和存在的问题并有的放矢地提出建议及意见，以积极提高对国家政策的预测性和敏感性、提高公司治理水平、积极加强内部管理、努力提高创新能力、加强人力资源管理、注重企业文化建设，从而促进我国上市商业银行更好地发展。
英文摘要：	The economy is an important foundation of finance, financial can influence and to reflect the development of the economy. Commercial banks are an important part of the financial institutions, and listed commercial banks in China is an important part of commercial banks. From this perspective, China’s economic development is inseparable from the listed commercial banks, financial services, can not do without the financial support of the commercial banks. This paper analyzes the performance of the listed commercial Banks and the advantages and disadvantages of the operating performance and its influence factors.It is helpful for the stability of the financial market, so as to promote the healthy and sustainable development of the economy. In this paper,I selecte the 14 listed commercial banks as the study sample. First, using the method of factor analysis to evaluate performance of the commercial Banks including small and medium-sized state-owned commercial Banks, joint stock commercial Banks, urban commercial Banks from four aspects of the profitability, safety, liquidity and sustainable development . Then analysing the the differences of the different types of listed commercial banks.At the same time, selecting from three types of listed commercial banks bank representative case studies to further validate the previous conclusions of the study. Then this paper used regression analysis method, with the factor analysis of the performance evaluation of commercial bank to be explained variables, from the macro economic and bank micro representative to explain the variable index, constructing the relevant regression model, and find out the true reason of influencing our country listed commercial bank management performance . The results show: GDP real growth rate, fees or commission income of main business income, total assets, the average salary and listed commercial bank management performance significantly positive correlation, and the per capita deposits, loans and commercial bank per capita public performance have weak positive correlation. Top ten customer loan scale the sum, top ten shareholders their shareholding commercial bank and listed the sum performance of the significant negative correlation and the listed company to control the actual people category and the listed commercial bank performance have the negative correlation. In the comprehensive analysis of the listed companies in our country commercial banks’ management condition, this paper summarizes the effects and the existing problems, and puts forward suggestions including activing and improving the sensitive to the policies of the state , improving the level of management, actively strengthening internal management to improve the innovation ability, and the strengthening human resources management, and paying attention to the enterprise culture construction, so as to promote China’s listed commercial Banks’ development.
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