我国股份制商业银行经营绩效评价研究

Research on Evaluation of Operating Performance in Chinese Share-holding Commercial Banks

通过对股份制商业银行盈利性、流动性、风险、发展能力、市场份额、经营能力六个方面构建绩效评价指标体系,运用主成分因子分析法对我国八家股份制商业银行的经营绩效进行评价分析。得出老牌的股份制商业银行经营绩效较新生的股份制商业银行低。原因在于早期的贷款质量低,造成的历史包袱短时期内难以消化,且人均创利比较低,严重影响了银行的经营绩效。

This essay uses the factor theory to analyze the indexes including profitability, liquidity, security, operating capability, market seizure capability and development capability among the index system for operating performance of share-holding commercial banks. It concludes that the long-established share-holding commercial banks have lower operating performance than the newly-emerging share-holding commercial banks. The reasons not only lie in the low quality of early loans which has resulted in the inability within a short term to solve the historically previous burden problem, but also lie in the relatively low profitability per capita which has seriously influenced the banks＇ operating performance.