摘要
构建科学、高效的商业银行经营绩效评价体系,对于改进我国银行业整体经营绩效,从而提升我国银行业的核心竞争力,具有非常重要的理论与现实意义。对此,文章从现金流生成视角,设计了反映商业银行全面经营绩效的评价指标,主要包括上市直接融资能力、贷款管理能力和表外业务运营能力三方面内容,并选取我国国内主板市场的16家上市银行为样本,运用SPSS中的因子分析方法,对我国上市银行全面经营绩效评价进行了实证分析,并给出了相关政策建议。本研究成果将重塑我国商业银行经营绩效的评价机制,从而为更好地指导我国银行业的科学化实践提供了重要的理论依据与决策参考。
An efficient performance evaluation system of commercial banks has significant theoretical and practical meanings in improving China＇ s overall banking performance, and will improve the core competence of China＇ s banking sector. From the perspective of cash flow generation, this paper designs several evaluation indica- tors that reflect the overall performance of commercial banks, including direct financing capacity, loan management capability, and operational capacity of the off-sheet business. We select China＇ s 16 lisited commercial banks as samples, and use the factor analysis methods of SPSS to evaluate the overall operating performance of China＇ s listed commercial banks, as well as to give policy suggestions. The research could reshape China＇ s commercial banks operating performance evaluation mechanism, and provide an important theoretical base for the reform of China＇ s banking sector.
出处
《金融监管研究》
2013年第1期93-109,共17页
Financial Regulation Research
基金
教育部人文社会科学研究青年基金项目(11YJC790051)
中央高校基本科研业务费专项资金项目(项目批准号11D10827)资助
关键词
商业银行
经营绩效
因子分析
Commercial Banks
Operation Performance
Factor Analysis
