摘要
通过选取2019年51家商业银行的财务数据,运用因子分析法对其综合财务绩效进行排名评价,研究发现不同银行之间的水平差异较大,银行内部不同因子排名差异较大。排名靠前的商业银行资产质量高并注重业务创新,排名靠后的银行大额提取了资产减值损失且不良贷款率大幅增加。根据排名前五名与后五名的银行经营差异比较,为排名靠后的银行提出建议。
By selecting the financial data of 51 commercial banks in 2019 and using factor analysis method to rank and evaluate their comprehensive financial performance,it is found that there are great differences in the level of different banks,and there are great differences in the ranking of different factors within banks.The top ranked commercial banks have high asset quality and pay attention to business innovation,while the bottom ranked banks have drawn a large amount of asset impairment losses and the non-performing loan ratio has increased significantly.According to the comparison between the top five and the bottom five banks,the paper puts forward suggestions for the bottom five banks.
作者
张静璇
Zhang Jingxuan(College of Economics&Trade,Hunan University of Technology,Zhuzhou,Hunan,412007)
出处
《市场周刊》
2021年第7期107-109,共3页
Market Weekly
关键词
商业银行
财务绩效
因子分析
commercial bank
financial performance
factor analysis
