摘要
本文以中国14家上市商业银行2009年公告数据为基础,以净资产收益率等8个主要财务指标构建盈利因子、偿债因子和可持续发展因子,利用各因子的解释能力计算中国上市商业银行的综合绩效得分。评价结果显示,以南京银行、浦发银行和北京银行为代表的股份制商业银行的经营绩效高于大型国有银行,在赢利能力和可持续发展能力方面,两类银行的差距较为显著。但大型国有银行仍然具有独特的核心竞争力,如庞大的客户资源、广泛的分支网络、稳健的经营战略、隐性的国家信用支持等,从长远角度看,大型国有银行的可持续发展能力与股份制银行并没有显著差异。
Based on Chinese 14 listed commercial banks＇ announced data in 2009, this paper sets profitability factors, debt factors and sustainable development factors with ROE and other 7 major financial indicators, and utilizes the explanatory power of each factor to calculate Chinese listed commercial banks＇ comprehensive performance score. Evaluation results show that the operating performance of joint-stock commercial banks, represented by Bank of Nanjing, Shanghai Pudong Development Bank and Bank of Beijing, is better than that of large state-owned banks and the difference in profitability and sustainable development between the two kinds of banks is remarkable. However, large state-owned banks still have their unique core competencies, such as large customer resources, extensive branch networks, prudent business strategy, implicit national credit support, etc. From the long-term perspective, there is no significant difference in sustainable development capacity between large stateowned banks and joint-stock banks.
出处
《金融论坛》
CSSCI
北大核心
2011年第5期43-47,共5页
Finance Forum
关键词
商业银行
上市公司
经营绩效
盈利能力
commercial bank
listed company
operating performance
profitability
