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论文中文题名:

 商业银行可持续发展综合评价研究    

姓名:

 杜君    

学号:

 201113630    

保密级别:

 公开    

学科代码:

 020205    

学科名称:

 产业经济学    

学生类型:

 硕士    

学位年度:

 2014    

院系:

 管理学院    

专业:

 产业经济学    

第一导师姓名:

 冯套柱    

第一导师单位:

 西安科技大学管理学院    

论文外文题名:

 Comprehensive Evaluation Research of the Sustainable Development of Commercial Banks    

论文中文关键词:

 商业银行 ; 可持续发展 ; 综合评价    

论文外文关键词:

 Commercial Banks ; Sustainable Development ; Comprehensive evaluation    

论文中文摘要:
2013年6月20日,国内银行间市场资金面突现阶段性紧张局面,流动性受到严重阻碍。2014年2月,银监会发布的《商业银行主要监管指标情况表》显示,商业银行2013年累计净利润约为1.42万亿,较2012年的1.24万亿增加14.5%,但2013年第三、第四季度连续出现环比负增长,2013年末商业银行不良贷款率升至1%,创年内新高。在世界经济复苏艰难曲折、国内经济下行压力加大的情况下,商业银行如何进行流动性风险管理、保证稳健安全运行,如何在实现盈利性的同时促进发展的可持续性成为值得思考的问题。十八届三中全会“决定”指出,商业银行改革以实现可持续发展是我国全面深化改革的重大问题之一。商业银行须积极主动适应市场规律,抓住改革机遇,用好增量,盘活存量,在促进自身发展的同时推动国民经济持续健康发展。 本文总结了国内外有关商业银行可持续发展的研究现状,对可持续发展理论、企业可持续发展理论以及金融可持续发展理论进行了总结论述,界定了商业银行可持续发展的内涵、特征及其评价的理论架构,说明了商业银行可持续发展的概况、存在问题及原因。结合商业银行经营特点,确定了商业银行可持续发展评价指标选取的原则,构建了层次结构的商业银行可持续发展综合评价指标体系,讨论并确定了评价方法。综合运用层次分析法、改进的熵值法、因子分析法对商业银行可持续发展状况进行静态和动态评价,并对评价结果进行了分析。静态方面:选取上述三种方法对16家商业银行2012年可持续发展状况进行了评价;动态方面:通过运用改进的熵值法和等差数列赋权法分别对评价指标、时间维度进行赋权,构建评价模型对16家商业银行2009~2012年可持续发展状况进行了评价。最后,依据评价结果,提出我国商业银行实现可持续发展的对策建议。
论文外文摘要:
In 20th June, 2013, financing system of China's interbank market emergently appeared periodic squeeze phenomenon, liquidity was severely hampered. In February 2014, fact table issued by China Banking Regulatory Commission of the main regulatory indicators of commercial banks shows that the annual net profit in 2013 of commercial banks approximately reach to 1.42 trillion, a growth of 14.5% compared with 1.24 trillion of 2012, but commercial banks has appeared negative chain growth of the third and fourth quarter of 2013, at the end of 2013 the non-performing loan ratio of commercial Banks rises up to 1%, notched up record years. Under the circumstance that the recovery of the world economy is arduous and downward pressure of domestic economic is increasing, how to carry out the management of liquidity risk of commercial bank, ensure stable and safe operation, how to achieve profitability and promote the sustainable development become a question worth thinking about. "Decision" of the third plenary session of the eighteenth points out that commercial banks’ reform which in order to realize the sustainable development is one of the major issues of comprehensively deepen reform in our country. Commercial banks must actively adapt to the market rule, seize the opportunity for reform, have a good use of the incremental, revitalize the stock, promote the development of themselves, propel the sustainable and healthy development of national economy at the same time. This paper summarizes the research status of sustainable development of the commercial banks at home and abroad, summarizes and discusses for theory of sustainable development, theory of sustainable development of enterprises and finance, define the connotation and characteristics of the sustainable development of the commercial bank and theoretical framework of its evaluation, analyze the current situation, the existing problem and the cases of sustainable development of the commercial banks. Combining with the operating particularity of commercial banks, confirm the principles of evaluation index selection about sustainable development of commercial banks, construct comprehensive evaluation index system of the hierarchical structure about sustainable development of commercial banks, discuss and determine the evaluation method. Then synthetically use AHP and improved entropy method and factor analysis method to make static evaluation and dynamic evaluation about sustainable development status of commercial banks, and analyze the results of evaluation. Static aspects: select three methods of the above for carrying on an evaluation in 2012 about sustainable development status of 16 commercial banks; Dynamic aspects: by using the improved entropy method and the arithmetic progression method respectively to give the effect weight of evaluation index and time dimension, construct evaluation model to evaluate the sustainable development status of 16 commercial banks from 2009 to 2012. Finally, on the basis of the evaluation results, the paper puts forward the countermeasures and suggestions about reinforcing the sustainable development of China's commercial banks.
中图分类号:

 F832.33    

开放日期:

 2014-06-16    

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