多元统计法在银行财务竞争力评价中的应用

Application of multivariate statistical method in financial competitiveness evaluation of banks

随着网络金融的快速发展和科技金融时代的到来,银行业面临的挑战日益加大,银行业务受阻,财务状况备受关注,因此,分析银行财务状况的相关指标和影响因素,是关注银行竞争力、提高银行财务竞争力的一个办法。现以24家银行2018年财务指标数据为样本,选取偿债能力、盈利能力、成长能力、现金流量分析四个方面的相关数据作为评价指标,通过主成分分析和聚类分析方法分析我国银行财务状况竞争力,客观评价各银行财务状况的差异。

with the rapid development of network finance and the arrival of the era of science and technology finance,the challenges faced by the banking industry are increasing day by day,and the banking business is hindered,and the financial situation has attracted much attention.Therefore,analyzing the relevant indicators and influencing factors of the financial situation of banks is a way to pay attention to the competitiveness of banks and improve the financial competition of banks.Based on the annual financial index data of 24 banks in 2018,this paper selects debt paying ability,profitability,growth ability and cash flow analysis as evaluation indexes,analyzes the competitiveness of China’s banks’financial situation through principal component analy sis and cluster analysis,and objectively evaluates the differences of financial status of each bank.