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论文编号：	9349
作者编号：	2120152468
上传时间：	2017/6/20 16:40:44
中文题目：	“一带一路”下商业银行绩效评价及其影响因素研究 --基于16家中国上市银行面板数据
英文题目：	Research on performance evaluation of commercial banks and its influencing factors under the background of the Belt and Road -- Based on the panel data of 16 listed banks in China
指导老师：	齐岳
中文关键字：	一带一路，上市商业银行，绩效评价，因子分析法，回归分析
英文关键字：	The Belt and Road, Listed commercial banks, Performance evaluation, Factor analysis, Regression analysis
中文摘要：	伴随着2014年习近平总书记在走访中亚及东南亚时候提出的“一带一路”建设，以及中国经济“新常态”的发展，中国的银行业正面临的机遇与挑战并存的局面。而中国商业银行作为中国金融业中举足轻重的核心产业，在促进金融业平稳运行与发展的过程中起着无可替代的重要作用。因而，关注我国商业银行的发展情况及营业绩效，对其运营成果进行科学合理的分析和评价，有利于中国的商业银行改善公司治理，提升财务绩效水平，增强自身的核心竞争能力。所以，怎样通过有效的评价方法，构建科学的评价体系和标准，以及如何建立影响银行业绩效水平的因素分析，全面综合的对上市商业银行展开研究，便成为实践中迫切需要解决的首要问题。 基于此，本文紧密结合国内外经济形势及银行业现状，在总结分析相关学者理论研究成果的基础上，选取了中国十六家上市商业银行，2009-2015年共七年的财务数据，运用SPSS分析软件及因子分析法，构建了包括盈利性指标、安全性指标、流动性指标及成长性指标等在内的绩效评价体系。论文在详细评价十六家上市商业银行各方面能力得分及总体绩效得分的基础上，针对股权结构、董事会特征及监事会规模三个层面，提出了影响银行绩效的五个假设，并运用回归分析法对商业银行的影响因素进行了回归分析。 通过实证研究表明：在绩效评价方面：大型国有商业银行由于规模效应等原因，总体绩效高于股份制上市商业银行和城市商业银行。在绩效影响因素方面，在资产总额作为控制变量的情况下，国有股占比重与银行的绩效存在负向的相关作用；监事会的的规模与银行绩效存在正向关系，监事会的存在对于银行业绩效的提升具有促进作用，监事会规模越大，银行绩效越高。 最后，论文基于实证研究结论，综合“一带一路”重要战略及中国“新常态”的经济形势背景，针对性地提出了提升上市银行绩效的对策和建议。
英文摘要：	With the development of China's banking industry, the opportunities and challenges faced by Chinese banking industry are in line with the development of "The Belt and Road" and the "New Normal" development of China's economy, which was introduced by the General Secretary of the People's Republic of China in 2002 and Southeast Asia. As a key industry in China's financial industry, Chinese commercial banks play an irreplaceable and important role in promoting the smooth operation and development of the financial industry. Therefore, it is helpful to analyze and evaluate the performance of China's commercial banks and improve the financial performance level and enhance their core competitiveness. Therefore, how to build a scientific evaluation system and standards through effective evaluation methods and how to establish the factors that affect the performance level of the banking industry, and comprehensively study the listed commercial banks have become the most important problem in practice. Based on those things, this paper ,closely related to the domestic and international economic situation and the status of the banking industry and on the basis of summing up the relevant scholars' theoretical research results, selected 16 Chinese listed commercial banks, 2009 - 2015 a total of seven years of financial data. Then it used SPSS analysis software and factor analysis to construct performance evaluation system including profitability index, safety index, liquidity index and growth index. Thirdly, on the basis of detailed evaluation of the scores of 16 listed commercial banks and the overall performance score, this paper put forward five assumptions on the performance of banks based on the ownership structure, the characteristics of board of directors and the size of board of supervisors, and uses regression analysis This paper analyzed the influencing factors of commercial banks. Through the empirical research, it is shown that the performance of large-scale state-owned commercial banks is higher than that of the joint-stock listed commercial banks and the city commercial banks due to the large-scale state-owned commercial banks. In terms of performance factors , the share of state-owned shares and the performance of banks have negative correlation in the case of total assets as a control variable. On the same time, the size of the board of supervisors has a positive relationship with the bank performance in the case of total assets as a control variable. It is shown that the existence of the board of supervisors has a positive effect on the improvement of the banking performance, and the bigger the board of supervisors, the higher the bank performance. At the end of the paper, based on the conclusion of empirical research as well as the current situation at home and abroad faced by the banking industry, this paper put forward some countermeasures and suggestions to improve the performance of listed banks.
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