| 我国商业银行信用指标体系及综合评价 |
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| 引用本文： | 王犁.我国商业银行信用指标体系及综合评价[J].河北工程大学学报(社会科学版),2009,26(1):25-27,24. |
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| 作者姓名： | 王犁 |
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| 作者单位： | 安徽财经大学,研究生院,安徽,蚌埠,33041 |
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| 摘 要： | 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,析结果显示,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,评价体系中的商业银行各指标得分却大不相同,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.
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| 关 键 词： | 商业银行 信用评价 因子分析 |
| 收稿时间： | 2008/10/15 0:00:00 |
Chinese commercial bank credit and the comprehensive evaluation index system |
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| Authors: | WANG Li |
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| Institution: | Graduate School;Anhui University of Finance and Economics;Bengbu 33041;China |
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| Abstract: | 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... |
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| Keywords: | commercial bank credit evaluation factor analysis |
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