我国上市商业银行经营绩效研究评价

Research and Evaluation on the Performance of China’s Commercial Banks

在金融体制的不断改革与完善的背景下,我国很多商业银行都加大了上市的规模和上市的速度,截至目前我国已经有26家商业银行上市。最近几年来,我国宏观经济稳健发展、经济进入“新常态”,经济增长速度变缓给银行业的经营发展带来了一定的压力。本文根据和运用因子分析方法,系统地研究了上市商业银行经营情况,结果显示:发展和盈利因子的方差贡献率分别为26.1%、24.2%,对最终排名起到决定性作用,安全和流动性因子也对综合排名产生显著影响。所以提高商业银行经营绩效必须从改善这四个方面入手。

Under the background of continuous reform and improvement of the financial system, many commercial banks in China have increased the scale of listing and the speed of listing. Up to now, there have been 26 commercial banks listed in China. In recent years, China's macroeconomic development has been steady, the economy has entered a “new normal”, and the slowdown in economic growth has brought certain pressure on the banking industry's business development. Based on the application of factor analysis method, this paper systematically studies the operation of listed commercial banks. The results show that the variance contribution rates of development and profit factors are 26.1% and 24.2%, respectively, which play a decisive role in the final ranking, followed by safety and liquidity. The factor also has a significant impact on the overall ranking. Therefore, to improve the business performance of commercial banks must start from the improvement of these four aspects.