【作者】 郭畅；

【导师】 王冀宁；

【作者基本信息】 南京理工大学 ， 金融学， 2009， 硕士

【摘要】 银行是现代金融业的中心,银行的发展关系到银行体系的运作乃至整个国家经济的运行。在国有商业银行转型和外资银行发起挑战的现状下,银行的绩效问题已经成为金融业的关键问题,提高银行绩效是维持国民经济稳定运行、对外放开银行业和积极参与市场竞争的关键。基于此,本文对我国商业银行绩效的影响因素进行了研究。首先分类回顾了国内外研究银行绩效的文献,然后对目前我国商业银行的现状进行分析,探讨了银行绩效发展模式、衡量银行绩效的指标和方法,并在此基础上,从理论方面研究银行绩效的影响因素:股权结构、银行规模、市场结构、经营原则、业务能力、职业生涯规划和薪酬激励机制。实证部分尝试用多样化指标,包括财务指标和非财务指标,运用Eviews5.0统计软件,采用Logit模型对我国商业银行绩效进行实证研究,经过显著性检验,判别哪些因素对银行绩效起着关键性的作用,并对设立模型的正确性进行预测检验,进而对提高我国商业银行绩效的方法和途径阐述建议,以求对我国银行业的发展有所启示和帮助。更多还原

【Abstract】 As the center of the modern financial industry, the banks play an important role in the economy system. Their development have a very close relationship with the operation of the banking system and the national economy. In condition of state-owned commercial banks’ transformation and challenges by the foreign banks, the bank performance has become a key issue to the domestic banking industry. Improving the bank performance is the key to maintain the stable operation of the national economy, open up the bank industry, and participate in market competition actively.Base on the mentioned earlier, this paper researches on a variety of factors which have influence on the domestic commercial bank performance. First, many related literatures on bank performance at home and abroad are reviewed by classification. Then by analyzing the status quo of the domestic commercial bank, the development model of bank performance, the indicators and the ways of measuring bank performance are presented. And on the basis of these, the factors including ownership structure, bank size, market structure, operating principle, professional ability, career planning and the salary incentive mechanism that affect the bank performance are analyzed on the theoretical side. In the empirical part, the Logit models of commercial bank performance are built by Eviews5.0 with a variety of indicators including financial indicators and non-financial indicators. By the significance test, the factors that play the key roles in the bank performance are found out. And then the accuracy of models are tested by the forecast test. Several suggestions of the way to improve the domestic commercial bank performance are presented for giving the inspirations and helps to the development of domestic banking industry.更多还原