我国商业银行信用指标体系及综合评价

通过借鉴美国骆驼评级制度，并结合我国商业银行的现状和特点，尝试构建商业银行信用评价的指标体系。运用因子分析法对商业银行的信用进行实证分析，分析结果显示，国有商业银行、股份制商业银行和城市商业银行的综合信用依次降低，但评价体系中的商业银行各指标得分却大不相同，各有利弊。尽管国有商业银行的经营水平较高，但股份制商业银行的社会形象等指标却远远高于国有商业银行，与此同时，城市商业银行在对风险的预防和保持资本充足性上，相对于其他类商业银行来说，却具有一定的优势。

Chinese commercial bank credit and the comprehensive evaluation index system

The paper try to build a credit rating evaluation index system , through the United States camel the rating system, combined with China＇ s commercial banks of the status and characteristics of commercial banks. And use factor analysis to conducte on the empirical analysis of credit ratings, analysis showed that state - owned commercial banks, joint - stock commercial banks and city commercial banks of the comprehensive credit ratings were lowered, but the evaluation system of commercial banks have very different points of the index, Pros and cons of each. Although state - owned commercial banks operating in a higher level, but the joint - stock commercial banks, and other indicators of social image is far higher than the state -owned commercial banks, at the same time, city commercial banks on risk prevention and to maintain capital adequacy, compared to other Class of commercial banks, it has certain advantages.