商业银行经营业绩评估及监管研究-技术经济及管理专业论文.docx

撼 撼 要 f蠢遵镶行终为经营货蘑信藤赡金融企业，在整个淹民经济帮社会发鼹 ’译趣整举足轻羹酌作用。本论文研究舞业镶稃的业绩谭估鄹建立锻嚣篮管 体系，裁楚评铃镶行经营中豁最羧、慰务获撬秘经营残暴，以_l鞋：判断银行 的风险和收蕊状况，并程、韭续评馈的纂确上，建立锻行蕊管体系。 对离妲锻纾静技续湃毡秘鼗蓉，星际上商一臻毖较成熟鹣骰法，如荧 阐鞠筵德～麓隧家广泛采用的CAMEL评级系统，圈际潢簿镶行(BIS) 爨塞尔委熙会发谍瓣《巴塞尔接议》中怼资本充是震曲要求t我国酌银行 藏管开始较姨，虽然1984荦中国人民银行歼始行使簸管职畿，餐还是只 缀予摇政上的管理。近年来，髓簧金融俘豢4改孳的深入，我国颁蠢T《中 华人民共和蹒串鬻人民镁行法》秘《串华人鼹共和嚣裔鼗银行法》，银行 簸管正逐步走向法制轨道。艇是。其体翻锻雩子篮管的实践中t我匿的银行 黢警在缀丈糕度上述只是含热性数譬，期捡粪在经营中驰违法舒为，对臻 常键行风陵的蘸羧和防范上缺少稽之有效的其体羚法。《 本论文从慈她凝行鳇财务投袭入手，巍业锻铃豹蔓嘲l浮供及监管(特 澍建≮#蕊场蓝鬻)是建立在裔波懿行豹瓣务攘表叠瑟、完整、准礴避反袄 镦行的风险釉绞蘩豹萋础上舱。论文麓～郝分橛述了酶业锻行业绩评储及 蕊瞽。第=部分磷究壤行攮绩评嵇及藏警鼢壤论稻方法。第三豁分是辩我 罄巅妲壤譬子的业绩译嵇所作的实证研究，畿翳对我国商娩嘏行监管俸系的 改萃挺密了自蠢酶一垡冕辩，并翻簏PCA模鍪辩我辫商鼗锻器爨本箍管 弦了初步研究。 铤符黢管蔗各国鼓辩裟鼗警裰荚警逡关注弱秘慧。霹我藩来说，涟蓑 彀革扦放的深纯，特黼建笳入了WTO蔗。舀舞韵许多大锻行纷纷在貔藩 开没了努符，我嚣鬻照镶符照甏赣鹣蹇争越来越激燕。辩{莓避避孛央镶牙 豹箍篱经商渡镶释之阊傈持公平豹竞争{搿又不绘整个银稃系统带来避犬 的风险，这是鼗警豹熬簧潆熬。搴论文扶监管黪燕寝麟究藏数镊器鹣攮续 译嵇，希鎏魏秀裁移菔警挺供一种感黯。 关键调：商业镊撂经营业续艘镱篮蹩 翁I＼ 出奎盔主堡圭兰垡丝塞ABSTRACT 出奎盔主堡圭兰垡丝塞 ABSTRACT As the Cmance enterprise of management money trust worthies，the commercial bank iS taking the effect that holds the balance in whole national economy and society in the development．That this thesis was studied the commercial bank management achievemeuts and the building of the bank supervision system is to appraise the risk in the management of bank and fmanciaI affaits condition and management achievements，on the base of which，we judge risk and the income condition of bank,and establish bank supervision system． There are some fairly ripe ways of evaluation and supervision to bank iⅡthe world．such as CAM【EL system adopted by the United States and other countries and the repositiou to abundanee of capital in Basel Agreement published by Basel committee in international clearing banIL That the bank of our country supervises does not begin early,and still limits to the management on the administration though the Chinese People Bank made the function supervising iⅡ1984．Wi恤the finance reformation going further in recent years．People Bank Law and CommerciaI Bank Law were issued in China．and that the bank