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论文编号：	563
作者编号：	2120061989
上传时间：	2008/6/19 21:19:31
中文题目：	基于层次分析法的我国银行业上市
英文题目：	A Research on Investment Value
指导老师：	李莉
中文关键字：	银行业上市公司 投资价值 层次分
英文关键字：	Listed Company of Bank Invest
中文摘要：	随着我国加入WTO后银行业的逐步开放，外资银行的快速进入加剧了国内银行业的竞争，也促进了国内银行业的发展与变革。同时，国内银行业的股份制改造、重组、上市融资，也促使国内银行业整体实力逐步提高。目前，国内银行业上市板块在逐步扩容，而投资机遇就孕育在此过程中。在此背景下研究整个行业内上市银行的投资价值就显得尤为重要。但以往学术研究多从监管者和公司本身的角度对我国银行业上市业绩和竞争力进行评价，而从投资者角度对其投资价值进的行研究相对不足。因此，全面深入的对我国银行业上市公司投资价值进行研究，并为以后的投资者提供一种系统、完整的方法对上市银行进行分析具有现实意义和理论意义。 在总结归纳相关研究成果并对银行业现状进行分析的基础上，本文以我国目前上市的14家银行为研究对象，并将其分为三类，即国有商业银行、股份制商业银行和城市商业银行，从银行的资产质量、清偿能力、经营能力、成长能力和资本充足五个方面选取14个财务指标，并以这14家银行的2002年-2007年的数据为基础，采用层次分析法对这14家银行的投资价值进行分析，并根据层次分析结果进行分别进行排名。从整体上讲，上市国有商业银行和上市城市商业银行的价值在2002-2007年迅速上升，而上市股份制商业银行的价值在同样的年份则剧烈波动，但2007年，各股份制银行的投资价值都有了大幅的提高。在得到投资价值的具体值及排名后，本文将对三类银行及各个银行投资价值变化的原因进行分析，从公司内部、宏观环境等方面寻找原因。 最后，本文在上述研究的基础对我国银行业上市公司的投资价值做出总结，并针对投资者、银行内部管理者及银行外部监管者分别给与建议，最后分析了本文的创新点和不足之处，并给出进一步研究的方向。
英文摘要：	As China’s entry into WTO and the gradual opening of the banking sector, the rapid access of foreign banks have increased the competitiveness of the domestic banking sector, but also promoted the development of the domestic banking sector with the change. At the same time, the domestic banking sector shareholding system reforming, restructuring, listing and financing also contributed to the improving strength of the domestic banking sector, with the value of investment banks slowly highlighting. At present, the domestic banking market segment is gradually expanding. In this process, there are investment opportunities. In this context, the research on the investment value of listed banks seems particularly important. But more of the previous academic researches are focusing on China's banking industry performance and competitiveness of the market from the regulators and the company's own view. The researches on the investment value are relative shortage from the investor point of view. Therefore, this paper pay attention on the listed companies banking industry value of comprehensive and in-depth studies, and provide investors with a system and completed analysis method is practical and theoretical significance. On the basis of the summarizing research results and the analyzing of the current situation of the banking sector, the paper focused on the 14 China's current listed banks and divided into three categories named as state-owned commercial banks, joint-stock commercial banks and city commercial banks. Then in this paper, we selected 14 financial indicators from bank's asset quality, liquidity, management capacity, growth capacity and capital adequacy. And with the data of from 2002 to 2007, we used AHP to analyze the value of the 14 investment banks. Finally we can get the conclusion about the ranking. From the overall perspective, the investment value of the listed state-owned commercial banks and listed city commercial banks between 2002 and 2007 have increased rapidly, but the investment value of the listed joint-stock commercial banks in the same year were in a drastic fluctuation. With the result of specific investment value and ranking, the paper analyzed the reason why there are changes and distinction in three types of banks and every company, such as the macro environment and the internal environment of the company. Finally, in the above-mentioned paper, we summed up the investment value of the listed companies in China's banking industry, and for investors, bank managers and bank regulators we gave recommendations. At last, we analyzed innovation and weaknesses of this paper, and the further research directions were given.
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