摘要本文采用灰色关联分析法对工、农、中、建、交五大国有大型商业银行的可持续发展能力进行测度和比较。结果表明盈利能力、发展能力、风险控制能力、资产因素是造成五大国有商业银行可持续发展水平差异的重要影响因素。国有商业银行可持续发展能力高于股份制商业银行和上市城市商业银行。由对国有商业银行可持续发展优势及制约因素的分析可知，虽然它们在资产规模、盈利能力、资本充足率方面的优势促进了可持续发展能力的提高，但也存在股权结构高度集中，公司治理效率偏低，资本补充机制不完善，创新能力较低等制约因素。国有商业银行需要针对这些问题采取相应的对策以促进长期可持续发展。60208

毕业论文关键词  商业银行  可持续发展  灰色关联分析法

毕 业 论 文 外 文 摘 要

Title  The measure and compare of sustainable development capacity for commercial banks: based on analysis of gray system method              

Abstract

This paper measures and compares the capacity of sustainable development of five state-owned commercial banks based on the gray correlation analysis method. According to the results, profitability, capacity of development, risk control and asset are the most important factors that make the differences in the level of sustainable development of five state-owned commercial banks. The capacity for sustainable development of state-owned commercial banks is stronger than that of national joint-stock commercial banks and the listed city commercial banks. After analyzing the advantages and disadvantages of the large state-owned commercial banks in the aspect of sustainable development, their advantages in asset size, profitability and capital adequacy ratio promote the capacity of sustainable development, but they also lack competitions in the aspects of high concentration of ownership structure, low corporate governance efficiency, imperfect capital replenishment mechanism, and low innovation capacity constraints. State-owned commercial banks need to take appropriate measures to solve these problems and promote long-term sustainable development.

Keywords  sustainable development   state-owned commercial bank     Grey relational analysis

1  绪论…1

2  国内外研究现状…1

3  对我国商业银行可持续发展能力的测度…3

3.1  五大国有商业银行可持续发展能力测度3

3.2  部分其他类商业银行可持续发展能力测度…6

4  国有商业银行可持续发展能力比较分析7

4.1  横向比较分析…8

4.2  趋势分析：以中国银行为例…9

4.3  国有商业银行与其他类商业银行可持续发展能力的比较 10 

5  国有商业银行可持续发展的优势及制约因素分析… 10 

5.1  国有商业银行可持续发展的优势条件 10

5.2  国有商业银行可持续发展的制约因素 12

6  提高国有商业银行可持续发展能力的对策建议… 13  

结论 14 

致谢 …15

参考文献… 16

1  绪论

商业银行体系能否持续、稳健地发展直接影响到社会经济运转的各个层面。从我国商业银行经营管理实践来看，我国商业银行体系渐趋完善，但是商业银行的发展模式从本质上讲并未发生变化：传统存贷款业务形成的利息差收入仍然是我国商业银行最主要的利润来源，而中间业务发展缓慢。伴随着国际、国内金融环境的深刻变化，这种依靠存贷利差和资产扩张的粗犷经营模式的弊端和缺陷逐渐凸显，促进商业银行发展模式转型成为当务之急