摘要
为了客观地评价城市商业银行跨区域经营的风险水平,在充分考虑城市商业银行跨区域经营特点的基础上,构建适用于城市商业银行跨区域经营风险评价的指标体系,并采用PLS通径模型分析方法,对25家城市商业银行2009—2013年的指标数据进行综合评价。评价结果显示:从2009—2013年,城市商业银行跨区域经营的平均风险水平有所降低;不同规模城市商业银行面临的跨区域经营风险不同,其中小型银行的跨区域经营风险明显高于大型和中型银行;在影响跨区域经营的风险因素中,组织管理风险是城市商业银行跨区域经营中面临的最主要风险,而信用风险因素的影响也呈升高趋势。
In order to objectively evaluate city commercial banks＇ cross region risks, the article builds risk evaluation system that is appropriate for city commercial banks＇ cross region on the basis of full consideration the characteristics of city commercial banks＇ cross region. Then the article does the comprehensive evaluation for 25 city commercial banks＇ index data from year 2009 to year 2013. The evaluation results show that the average risk level has reduced from year 2009 to year 2013 ; different sizes of city commercial banks have different cross region risk levels, and the cross region risk of small banks is apparently higher than the risk of large and medium - sized banks; among the risk factors that can influence the city commercial banks＇ cross region risk, the organization and management risk is the main risk of city commercial banks＇ cross region, at the same time the influence of credit risk appears the rising trend.
出处
《科技与管理》
2015年第1期96-102,109,共8页
Science-Technology and Management
基金
教育部人文社会科学研究青年基金项目(11YJC790192)
