摘要
科学的评价商业银行经营业绩有利于银行预测和控制风险,提高其经济效益和经营效率,因此,对商业银行经营业绩的研究具有重要意义。文章从流动性、安全性、盈利性和成长性四个方面选出15个指标采用结构方程模型分析法进行实证分析,得出各家商业银行在四个因子方面的得分和综合评价得分,由此对各家商业银行进行排序。最后根据实证分析结果,给出改善和提高我国商业银行经营业绩的几点建议。
Performance evaluation is very important for forecasting and controlling risk of banking system, improving the development of commercial bank, and realizing maximum value. So, the research on the operating performance of commercial bank have great significance. In this paper, we chose fifteen indicators from four aspects as mobility, security, profitability and growth to analyze the operating performance of commercial bank, based on structural equation model. We can get the scores of four factors and comprehensive assessment score. According to this, we can sort these commercial banks. Finally, we give some proposals of improving and enhancing the operating performance of commercial bank according to the results of the empirical analysis.
出处
《华东经济管理》
CSSCI
2009年第9期113-118,共6页
East China Economic Management
关键词
商业银行
业绩评价
结构方程
commercial bank
operating performance
structural equation model
