基于主成分分析的商业银行经营绩效研究

Commercial Banks Operating Based on Principal Component Analysis Performance Research

利用SPSS软件对反映我国16家商业银行的经营状况的指标,即各项财务指标进行主成分分析,提出了三类主要的影响因素,分别反映银行的成长能力、盈利能力和风险控制能力。然后,通过综合排名比较16家上市银行的经营状况。最后,基于不同资产规模和发展程度,对各家商业银行未来经营的主要方向和重点对象提供政策建议,以期改善我国商业银行的经营模式,提高银行业的总体经营绩效,以适应经济新常态。

Through analyzing the principal components that reflect operating performance indicators oi sixteen commercial banks, namely the financial indicators, in China by SPSS,this thesis puts forward three kinds of main influence factors, respectively, the bank＇s growth, profitability and risk control ability. Then,it compareses the operating conditions of 16 listed banks by their comprehensive ranking. Finally, based on different asset scale and development level, this paper provides policy suggestions,for the main direction of management in the future and the key object, so as to improve commercial bank＇s business model and the overall operating performance of the banking sector.