我国国有商业银行财务绩效研究——基于Bankscope 2003-2007年数据的分析

Analysis on Financial Performance of China's State-owned Commercial Banks——Based on BankScope Data 2003-2007

本文以Bankscope数据库2003-2007年我国5家国有商业银行的财务数据为样本,从盈利能力、资本充足性、资产安全性、流动性和经营管理能力等方面对国有商业银行的财务绩效进行分析。结果表明,我国国有商业银行的财务绩效在此期间有明显改善,但距国外银行的先进水平仍有一定差距。本文据此提出改进建议,以期有助于我国国有商业银行的健康发展。

This article refers to the financial data of 5 China＇s state-owned commercial banks taken from 2003 to 2007 Bankscope database.Based on earning ability,capital adequacy,asset security,liquidity and management ability,the financial performance of state-owned commercial banks is examined.The results indicate that the financial performance of state-owned commercial banks in China has improved obviously during this period;however,they still have a long way to go to meet the match of the first-rank banks around the world.On this account,this article gives relevant recommendations for improvement to help develop our state-owned commercial banks.