商业银行经营业绩风险评价

On Risk Assessment on Operating Achievement of Commercial Banks

随着我国加入WTO,银行业面临更为激烈的市场竞争,对商业银行进行经营业绩评价显得尤为迫切和重要.本文提出了商业银行经营业绩及经营风险评价的因子分析方法,并用该方法对商业银行经营业绩风险进行了实证分析,结果显示,因子分析方法是一种有效的综合评价方法.

With our country＇s accession to WTO, Banking is faced with more intense market competition, so it seems to be more imminent and important to assess the operating achievement for commercial hanks. This article introduces the factor-analysis method to assess the operating achievement and operating risk for the commercial hanks, and analyzes the risk of operating achievement for the commercial banks demonstratively by the method. Results reveal that factor-analysis is an effective and comprehensive assessing method.