我国商业银行经营绩效的影响因素研究
时间:2019-05-26 14:37 来源:毕业论文 作者:毕业论文 点击:次
| 摘要：随着我国金融体制改革的不断深化，商业银行经营面临前所未有的压力。作为金融体系中最重要的资金融通机构，商业银行在经济社会活动中发挥着信用中介、信用创造、支付中介、金融服务和调节经济的职能。商业银行的高效运作，有助于促进国民经济持续健康发展，对整个经济社会的推动作用也日趋明显。目前，国有商业银行仍然占据商业银行的主体地位，同时全国股份制商业银行、农村商业银行、城市商业银行以及外资银行也在一定程度上取得了卓越的发展。此外，我国不断推进利率市场化，鼓励银行创新产品与服务，传统的银行盈利模式，即依靠存贷利差，已经难以为继，商业银行经营面临前所未有的挑战。因此，商业银行必须加快推进转型，寻求新的利润增长点，创新金融产品，提高竞争力。鉴于此，本文提出我国商业银行经营绩效影响因素研究这一选题，具有理论和实践意义。35759 毕业论文关键词：商业银行 经营绩效 影响因素 因子分析 A Research on Influencing Factors of China's Commercial Banks' Operating Performance Abstract:With the deepening of China's financial reform, commercial banks face unprecedented operating pressure. As the most important financing institutions in the financial system, commercial banks play a part in such aspects as credit intermediation, credit creation, payment intermediation, financial services and economic regulation. Efficient operations of commercial banks will help promote sustained and healthy development of the national economy and their driving forces toward the economy and the society also become increasingly evident. Currently, the state-owned commercial banks still secure the dominant position among commercial banks while national joint-stock commercial banks, rural commercial banks, city commercial banks and foreign banks have also made remarkable development to a certain extent. In addition, China continues to promote the marketizaiton of interest rate and encourages banks to innovate their products and services. Consequently, the traditional profit model which relies on deposit and loan spreads faces difficulties in striving. Thus, commercial banks are confronted with unprecedented challenges. Therefore, commercial banks must accelerate and promote transitions to boost their competitive power by seeking new profit growth point and innovating financial products. Given this, this paper, focusing on factor analysis of operating performance appraisal of China’s commercial banks, is of both theoretical and practical significance. Key Words:commercial banks,performance evaluation,influencing factor ,factor analysis 目录 一、绪论1 （一）研究背景及意义1 （二）研究内容与基本框架.2 二、商业银行经营绩效的相关理论. .3 （一）绩效与绩效评价的概念 .3 （二）商业银行经营绩效影响因素. 5 三、我国商业银行经营绩效影响因素的实证研究. . 12 （一）研究方法及使用工具 .12 （二）数据收集和处理 .13 （三）因子分析14 四、提高我国商业银行经营绩效的对策和建议18 （一）降低经营成本，提高成本控制能力 18 （二）完善贷款风险管理机制，改善银行资产质量 .19 （三）重视金融创新，发展中间业务.19 （四）加强银行资本金管理，提高资本充足率 20 参考文献 . . . 21 一、绪论 （一）研究背景和意义 目前，我国商业银行主要执行信用中介职能，通过负债业务将社会资金转换为银行资本，又通过资产业务将资金投入信贷市场，促进社会资本的融通。商业银行是为了适应市场经济发展和社会融资需求而形成的一种特殊的金融组织，它在现代经济社会中发挥信用中介、信用创造、金融服务和经济调节的功能。现阶段在我国，以金融机构为媒介，依靠商业银行来实现的间接融资，已经成为社会融资的主要渠道，并且这种现状短期内不会发生根本性转变。 (责任编辑：qin) |