本文選題：上市銀行　切入點：經(jīng)營績效　出處：《河北經(jīng)貿(mào)大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：金融業(yè)是一個國家經(jīng)濟發(fā)展的命脈，銀行業(yè)又對我國金融業(yè)具有舉足經(jīng)重的影響。經(jīng)過三十多年的改革開放，中國的銀行業(yè)也發(fā)生了翻天覆地的變化，獲得了舉世矚目的成果。不過因為過去中國的銀行業(yè)一直處在計劃經(jīng)濟體制下，存在過分注重規(guī)模發(fā)展而輕視質(zhì)量建設(shè)的問題，企業(yè)在經(jīng)營過程中不以利潤最大化為目標，致使企業(yè)出現(xiàn)了很多問題，例如資產(chǎn)質(zhì)量偏低和金融創(chuàng)新性不足等。而且我國仍處在市場經(jīng)濟的初級階段，銀行業(yè)的發(fā)展與國外發(fā)達國家相比還是相對落后，從整體上講競爭力并不強勁，尤其是中國加入WTO后，伴隨著銀行業(yè)開放的過渡期的結(jié)束，由于存在一整套的保護政策，外資銀行得到了前所未有的快速發(fā)展。在快速發(fā)展和強大的外資商業(yè)銀行的整體實力面前，中國商業(yè)銀行面臨著前所未有的挑戰(zhàn) 在這樣的背景下，中國銀行業(yè)如果想承受外資銀行的沖擊，在全球金融風險的競爭中取勝，就必須不斷地強大自己，，提高競爭力。而銀行的經(jīng)營績效最能夠反映銀行的競爭力，通過對中國上市銀行的經(jīng)營績效進行比較研究，確定它們之間的差異并找到有效的途徑和手段來改善經(jīng)營業(yè)績，這會對中國銀行業(yè)發(fā)展起到十分重要的作用。 本文第一章為緒論。主要說明了論文的研究背景和意義，整理了國內(nèi)和國內(nèi)外商業(yè)銀行在績效評價方面的理論研究和方法研究，進而確定了本文的研究內(nèi)容和研究方法，起著總領(lǐng)全文的作用。 第二章簡要說明了上市銀行的經(jīng)營狀況和指標設(shè)計。在參考了以前的研究結(jié)果和科學(xué)的指標體系構(gòu)建原則之后，確定了中國上市商業(yè)銀行績效評價的指標體系。 第三章主要說明了上市銀行經(jīng)營績效的綜合評價方法。 第四章首先分別使用模糊判斷矩陣法、灰色關(guān)聯(lián)分析法和TOPSIS法（逼近理想解排序法）對中國2012年16家上市銀行的經(jīng)營績效的綜合評價結(jié)果進行排序。然后對三種方法分別得到的結(jié)果進行組合評價，得出代表以上三種評價方法的綜合結(jié)果。最后對這16家上市商業(yè)銀行的經(jīng)營績效進行比較分析，制定合理的績效目標并分析改善這種現(xiàn)狀的方法。 第五章是全文的重中之重，體現(xiàn)了本篇論文的研究意義所在。通過前述章節(jié)對上市銀行經(jīng)營績效的分析，本部分著重提出了對不同類型的商業(yè)銀行完善和提升其經(jīng)營績效的建議和對策。這些建議和對策主要是從金融創(chuàng)新、制度建設(shè)、資產(chǎn)質(zhì)量和成本管理等角度出發(fā)，使中國上市商業(yè)銀行在整個國際競爭中找到自己的發(fā)展之路。
[Abstract]:The financial industry is the lifeblood of a country's economic development, and the banking industry has a heavy influence on our financial industry. After more than 30 years of reform and opening up, China's banking industry has also undergone earth-shaking changes. However, since China's banking industry has been under a planned economy system in the past, it has been a problem of paying too much attention to the development of scale and neglecting the construction of quality, and enterprises do not aim at maximizing profits in the course of operation. As a result, enterprises have many problems, such as low asset quality and insufficient financial innovation, and China is still in the initial stage of market economy, and the development of banking industry is relatively backward compared with developed countries. Overall competitiveness is not strong. Especially after China's entry into WTO, with the end of the transitional period of banking opening up, due to the existence of a whole set of protection policies, Foreign banks have got unprecedented rapid development. In the face of rapid development and the overall strength of foreign commercial banks, Chinese commercial banks are facing unprecedented challenges. Against this background, if Chinese banks want to withstand the impact of foreign banks and win the global financial risk competition, they must constantly strengthen themselves. The performance of banks can best reflect the competitiveness of banks. Through the comparative study of the operating performance of listed banks in China, the differences between them are determined and effective ways and means are found to improve their performance. This will play a very important role in the development of China's banking industry. The first chapter is the introduction. It mainly explains the research background and significance of the thesis, collates the theoretical research and method research on the performance evaluation of domestic and foreign commercial banks, and then determines the research content and research methods of this paper. Plays the role of the full text of the master collar. The second chapter briefly explains the operating situation and index design of listed banks. After referring to the previous research results and the principles of scientific index system construction, it determines the performance evaluation index system of listed commercial banks in China. The third chapter mainly explains the comprehensive evaluation method of listed banks' operating performance. Chapter 4th first uses the fuzzy judgment matrix method, Grey relational analysis method and TOPSIS method (approximate ideal solution ranking method) are used to sort the comprehensive evaluation results of 16 listed banks in China in 2012, and then the results obtained by the three methods are evaluated in combination. Finally, the paper makes a comparative analysis of the operating performance of the 16 listed commercial banks, formulates reasonable performance objectives and analyzes the methods to improve the present situation. Chapter 5th is the most important part of the thesis, which reflects the significance of this paper. In this part, the author puts forward some suggestions and countermeasures for different types of commercial banks to improve their business performance. These suggestions and countermeasures are mainly from the perspectives of financial innovation, system construction, asset quality and cost management, etc. China's listed commercial banks in the entire international competition to find their own way of development.
【學(xué)位授予單位】：河北經(jīng)貿(mào)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.33

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本文編號：1626532