商业银行资源配置中的行业评价方法比较

The Comparison of Industry Evaluation Methods in the Credit Resource Allocation of Commercial Banks

本文重点比较了因子分析法和熵权法在商业银行行业评价中的运用,通过这两种方法来对制造业下属 30 个子行业进行评价分析,得到各个子行业的综合得分和排名。研究发现,因子分析法和熵权法尽管在原理上不尽相同,但是最后的评价结果却显现出很好的一致性。在商业银行信贷资源行业配置的过程中,因子分析法和熵权法具有广阔的应用前景,两者都能够对行业做出客观的评价。因子分析法可以对所选评价指标进行归类,熵权法可以对行业的优劣差异做出更加精确的判断,两者能够起到相互佐证的作用。

This paper focuses on the comparison of the factor analysis method and entropy-weight method applied in the industry evaluation of commercial banks. With the two methods, the paper evaluates and analyses the 30 sub-industry of manufacturing sector and gains the composite scores and ranking of the various sub-sectors. We find that the factor analysis method and entropy-weight method are not the same in principle, but the final results of the evaluation have revealed a good consistency. The factor analysis method and entropy-weight method have broad application prospects in the credit resource allocation of commercial banks and they both can make an objective evaluation of the industry. The factor analysis method can classify the selected evaluation indicators and the entropy-weight method can make more accurate judgments of the pros and cons of the industry. They both can play the roles of mutual corroboration.