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论文编号：	92
作者编号：	2120051915
上传时间：	2007/6/21 21:56:38
中文题目：	中国商业银行经营绩效评价模型及
英文题目：	The operating performance eval
指导老师：	王全喜
中文关键字：	商业银行;经营绩效评价;因子分析
英文关键字：	Commercial banks;Operating per
中文摘要：	商业银行是金融领域的重要组成部分，对整个国民经济的发展起着重要的支持作用。近年来，关于商业银行经营绩效的评价问题一直是理论界和实务界研究的一个热点问题。在西方国家，关于商业银行经营绩效评价体系不论在评价理念、评价模型的理论研究方面，还是在实践运用中，都已经非常成熟。但是，由于历史和现实的原因，中国商业银行经营绩效评价模型的构建工作一直不太理想。但是，随着中国金融业的全面开放和其经济杠杆作用的进一步发挥，做好商业银行经营绩效评价模型的构建工作具有非常重要的现实意义。 有鉴于此，本文在对国内外理论界相关理论进行回顾、借鉴国内外实务界绩效评价指标体系中比较合理的部分，并克服其不足之处的基础上，同时在对影响商业银行经营绩效的关键因素进行严密考虑后设立了20项评估指标。在进行实证研究时，作者选用了14家商业银行2002~2004年三年的数据，然后借助spss工具运用因子分析法，分别对商业银行三年的数据分别进行分析，最后得出三年的公共因子。结果可以发现这三年的公共因子所包含的指标绝大多数是相同的，从而可以看出此模型是比较稳定的。在此基础上，总结出三年一致的公共因子，从而建立起一个商业银行经营绩效评价模型。利用此模型，可以得到14家商业银行的最后得分及排名，根据所得出的结果和经过与现实情况进行比较可以验证出此模型的有效性。由于考虑到了每年银行绩效的波动因素，通过这种方法的得出的结果比较科学和接近于现实。 本文的主要成果是建立起了一个比较有效的关于中国商业银行经营绩效的评价模型，从而有利于相关利益者对银行的绩效做出评估，进而为其决策提供理论支持。本文所采用的研究方法主要是定量和定性、实证和规范相结合的方法。
英文摘要：	As an important part of financial field, commercial banks offer great support to the development of national economy. In recent years, the issue on operating performance evaluation of commercial banks has become a hot point. In western countries, the evaluation system on operating performance of commercial banks has become very mature both in theory research and practical application. But the situation in China is not that optimistic due to historical and realistic reasons. However, there is a lot of practical significance to establish a model for operating performance evaluation of commercial banks together with the further embodiment of its function as economic lever and the overall opening-up of China’s financial field. In view of that, on the basis of related theory in the theory world, the index system in the realistic finance world and key factors having great impact on operating performance of commercial banks, the author establishes a set of index system which includes 20 indexes in the dissertation. When making research with the tool of SPSS, the author chooses three years (from 2002 to 2004) data from 14 commercial banks of China. With the help of factor analysis, the author finally gets five common factors for the three years separately. From the result, the stability of the common factors is proved. Based on that, the author sums up the consistent common factors for the three years and following establishes the evaluation model for commercial banks. In order to test its application, the author makes score and order for operating performance of the 14 commercial banks using this model. The result and comparison with the reality can test its validity. The main result of the dissertation is to set up a reasonable and practical operating performance model for China’s commercial banks, which will offer theory support for the decision-making of related parties. In the dissertation, the main research methods are empirical and normative research. Besides, quantitative and qualitative research methods are also used for clear analysis.
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