我国四大国有商业银行的稳健性评估与分析

The Evaluation and Analysis of Soundness of China's State-owned Commeicial Banks

在金融全球化背景下，应该准确、完整地理解银行业的稳健经营理念，否则会损害银行业甚至整个国民经济的稳定与发展．根据对银行业稳健经营的全新理解及在此基础上设计出的评估指标与模型，对我国四大国有商业银行的评估结论是缺乏稳健．而导致我国四大国有商业银行缺乏稳健的原因包括体制缺陷、信用缺失、资产配置不当等多个方面．

In the background of financial globerlization, we should understand the meaning of banking＇s sound operation correctly and perfectly, or we may damage the stability and development of banking, even the whole economy. On the basis of the understanding of banking＇s sound operation as well as the evaluation index and model, this paper evaluates China＇s state-owned commercial banks＇ soundness, with anegative conclusion. The reasons for damaging Chinese banking＇s soundness include the system＇s flaw, lack of credit and financial assets＇ improper collocation, etc.