银行系统效益评价研究

目前中国银行系统正在进行力度很大的改革,除机制改革外,重要的是扩大服务范围、增强业务来往、提高业绩及素质,但效益是最主要的,因为它是生存的关键.能否按综合指标体系对银行系统进行排序是投资者非常关心的.为了克服传统效益评估方法的不足,文中首先通过选择有代表性的指标和比率,建立起一个银行系统综合效益评价指标体系,在此基础上采用主成分分析法、熵权法和等权法综合构建了一个评价银行系统效益的数学模型,对建立的模型进行数值计算,并由计算结果进行综合排序,研究经济含义等,并使用该模型对7家上市银行进行了实证分析.

Evaluation of bank system performance

Currently,China's banking system is undergoing widespread reforms.In addition to reforming traditional banking mechanisms,attention has been cast on extending the scope of services,strengthening business offerings,and generally raising the level of employees and performance results.Bank performance,however,is the key focus,particularly for industry investors.To overcome shortcomings associated with traditional evaluation methods of banks,a mathematical model was constructed by applying a principal component analysis method,entropy principle,and equal weight method.All of this was on the basis of a systematically chosen set of financial data that comprehensively reflected bank system performance.The proposed evaluation method performed well using financial data from seven companies in China's banking system.