發(fā)布時(shí)間：2018-05-27 23:06

  本文選題：城市商業(yè)銀行 + 貸款項(xiàng)目�。� 參考：《湖南大學(xué)》2012年博士論文

【摘要】：從20世紀(jì)80年代中期開(kāi)始,為深化經(jīng)濟(jì)體制改革,在借鑒國(guó)外經(jīng)驗(yàn)的基礎(chǔ)上,中國(guó)嘗試城市信用社的金融體制大改革。在其基礎(chǔ)上組建起來(lái)的城市商業(yè)銀行,一定程度上填補(bǔ)了因國(guó)有商業(yè)銀行機(jī)構(gòu)收縮、城市信用社和農(nóng)村信用社業(yè)務(wù)品種單一、規(guī)模偏小而導(dǎo)致的部分中小城市金融市場(chǎng)缺位和金融服務(wù)的空白,滿(mǎn)足了各類(lèi)企業(yè)對(duì)銀行服務(wù)多層次、多角度的需求,使其成為中國(guó)金融業(yè)中不可或缺的組成部分。同時(shí),隨著全球性金融管制的放松、金融競(jìng)爭(zhēng)的加劇以及金融服務(wù)品種的日1新月異,評(píng)價(jià)銀行業(yè)績(jī)已經(jīng)受到越來(lái)越多的重視。中國(guó)在加入世界貿(mào)易組織后,商業(yè)銀行與世界銀行業(yè)的融合、接軌速度加快,如何設(shè)計(jì)出符合中國(guó)城市商業(yè)銀行發(fā)展現(xiàn)狀,科學(xué)合理反映城市商業(yè)銀行貸款項(xiàng)日績(jī)效監(jiān)測(cè)的指標(biāo)考核體系,已成為銀行業(yè)者關(guān)注的重要課題之一。 本文的研究力圖解決三個(gè)問(wèn)題：一是明確城市商業(yè)銀行貸款項(xiàng)目績(jī)效評(píng)價(jià)系統(tǒng)的概念及其具體內(nèi)涵,尋找貸款項(xiàng)目績(jī)效評(píng)價(jià)系統(tǒng)與一般的績(jī)效評(píng)價(jià)或企業(yè)績(jī)效評(píng)價(jià)的不同之處；二是探討城市商業(yè)銀行貸款項(xiàng)目績(jī)效評(píng)價(jià)指標(biāo)的獲取理論和指導(dǎo)方法,研究如何從利益相關(guān)者角度分析和構(gòu)建績(jī)效評(píng)價(jià)指標(biāo)體系,以及實(shí)際績(jī)效的數(shù)據(jù)獲取途徑等；三是研究如何進(jìn)行城市商業(yè)銀行貸款項(xiàng)目績(jī)效的綜合評(píng)價(jià),以及如何利用績(jī)效監(jiān)測(cè)結(jié)果來(lái)指導(dǎo)項(xiàng)目實(shí)施過(guò)程的績(jī)效持續(xù)改進(jìn),并完成對(duì)城市商業(yè)銀行貸款項(xiàng)目績(jī)效管理的制度設(shè)計(jì) 本文以商業(yè)銀行貸款項(xiàng)目管理控制理論為基礎(chǔ),首先對(duì)有關(guān)城市商業(yè)銀行以及貸款項(xiàng)目評(píng)價(jià)等基本理論進(jìn)行闡述和探討,對(duì)城市商業(yè)銀行貸款項(xiàng)目績(jī)效評(píng)價(jià)的現(xiàn)狀進(jìn)行評(píng)價(jià),分析城市商業(yè)銀行貸款項(xiàng)目以及項(xiàng)目績(jī)效評(píng)價(jià)的特征,并比較國(guó)內(nèi)外商業(yè)銀行貸款項(xiàng)目的評(píng)價(jià)體系。然后,論文對(duì)城市商業(yè)銀行貸款項(xiàng)目活動(dòng)的完整性進(jìn)行評(píng)價(jià),并在此基礎(chǔ)上制定項(xiàng)目活動(dòng)完整性的評(píng)價(jià)標(biāo)準(zhǔn)。論文依據(jù)城市商業(yè)銀行貸款項(xiàng)目監(jiān)測(cè)框架的思路,設(shè)計(jì)了包含層次性指標(biāo)體系和過(guò)程性指標(biāo)體系的多維度項(xiàng)目監(jiān)測(cè)指標(biāo)體系；論文通過(guò)分析城市商業(yè)銀行貸款項(xiàng)目績(jī)效監(jiān)測(cè)指標(biāo)定權(quán)的特點(diǎn),對(duì)城市商業(yè)銀行貸款項(xiàng)目績(jī)效評(píng)估指標(biāo)權(quán)重約束關(guān)系進(jìn)行了分析,從而確定多層次交互式定權(quán)方法。在此基礎(chǔ)上,論文建立起一個(gè)基于灰色關(guān)聯(lián)分析的城市商業(yè)銀行貸款項(xiàng)目的績(jī)效監(jiān)測(cè)模型,根據(jù)灰色評(píng)估權(quán)值及模糊評(píng)判綜合的思想,提出GF算法對(duì)現(xiàn)有貸款項(xiàng)目進(jìn)行綜合評(píng)價(jià)并對(duì)長(zhǎng)沙銀行貸款項(xiàng)目進(jìn)行實(shí)證分析。最后,論文通過(guò)城市商業(yè)銀行貸款項(xiàng)目績(jī)效監(jiān)測(cè)體系的實(shí)證研究結(jié)果,提出城市商業(yè)銀行貸款項(xiàng)目績(jī)效管理的制度設(shè)計(jì),包括設(shè)計(jì)原則、流程設(shè)計(jì)機(jī)構(gòu)設(shè)計(jì)、風(fēng)險(xiǎn)管理體制、約束體制等制度安排的一系列內(nèi)容。 論文研究基于中國(guó)城市商業(yè)銀行發(fā)展的特殊背景,設(shè)計(jì)了包含層次性指標(biāo)體系和過(guò)程性指標(biāo)體系的多維度貸款項(xiàng)目績(jī)效監(jiān)測(cè)指標(biāo)體系,建立了基于灰色關(guān)聯(lián)分析的城市商業(yè)銀行貸款項(xiàng)目的績(jī)效評(píng)估模型,并進(jìn)行了實(shí)證分析,論文的研究成果為城市商業(yè)銀行貸款項(xiàng)目績(jī)效監(jiān)測(cè)提供了重要的思路和方法。
[Abstract]:From the middle of the 1980s, on the basis of deepening the reform of the economic system and drawing on the experience of foreign countries, China tried to reform the financial system of the city credit cooperatives. The urban commercial banks formed on the basis of it have filled in a certain extent the contraction of the state-owned commercial banks, the urban credit cooperatives and the rural credit cooperatives. The lack of financial market and financial services in some small and medium-sized cities, which are small and small, meet the needs of various enterprises for banking services in various levels and angles, making it an indispensable part of China's financial industry. At the same time, with the relaxation of global financial control, the intensification of financial competition and financial services The new crescent of the 1 new crescent of the variety has been paid more and more attention to. After China's accession to the WTO, the convergence of commercial banks and the world banking industry is quickening. How to design a scientific and reasonable indicator of the performance monitoring of the city commercial bank's loan terms in accordance with the development status of China's urban commercial banks The assessment system has become one of the important issues of concern to banks.
The research of this paper tries to solve three problems: first, to clarify the concept and specific connotation of the performance evaluation system for the loan project of urban commercial banks, to find the difference between the performance evaluation system of the loan project and the general performance evaluation or the enterprise performance evaluation; and the two is to explore the acquisition of the performance evaluation index of the city commercial bank loan project. The theory and the guidance method, study how to analyze and construct the performance evaluation index system from the stakeholder angle, and the way of data acquisition of the actual performance. Three is to study how to carry on the comprehensive evaluation of the performance of the loan project of the city commercial bank and how to use the results of performance monitoring to guide the performance of the project implementation process. Improve and complete the system design of performance management for city commercial bank loan project.
Based on the management and control theory of commercial bank loan project, this paper first expounds and discusses the basic theories about urban commercial banks and loan project evaluation, evaluates the present situation of the performance evaluation of the loan projects of urban commercial banks, analyzes the characteristics of the loan items and the performance evaluation of the urban commercial banks, and compares them with the characteristics of the project performance evaluation. The evaluation system of the loan project of commercial banks at home and abroad. Then, the thesis evaluates the integrity of the activities of the loan project of the city commercial bank, and on this basis makes the evaluation standard of the integrity of the project activities. The paper has designed the hierarchy index system and process on the basis of the thinking way of the monitoring framework of the loan project of the city commercial bank. The multi-dimensional project monitoring index system of the sex index system; by analyzing the characteristics of the performance monitoring index of the city commercial bank loan project, the paper analyzes the weight constraint relation of the performance evaluation index of the city commercial bank loan project, thus determining the multi-level interactive method of power setting. A performance monitoring model of the urban commercial bank loan project based on grey relational analysis is proposed. According to the thought of grey evaluation weight and fuzzy evaluation, the GF algorithm is proposed to evaluate the existing loan projects comprehensively and to carry out an empirical analysis of the Changsha bank loan project. Finally, the paper discusses the performance supervision of the loan project of the city commercial bank. The results of the empirical study of the measurement system put forward the system design of the performance management of the city commercial bank loan projects, including the design principles, the design of the process design institutions, the risk management system, the constraint system and other systematic arrangements.
Based on the special background of the development of urban commercial banks in China, the paper has designed the multi-dimensional loan project performance monitoring index system including the hierarchical index system and the process index system, established the performance evaluation model of the city commercial bank loan project based on the grey relational analysis, and carried out an empirical analysis. The results provide important ideas and methods for the performance monitoring of city commercial bank loan projects.
【學(xué)位授予單位】：湖南大學(xué)
【學(xué)位級(jí)別】：博士
【學(xué)位授予年份】：2012
【分類(lèi)號(hào)】：F832.4;F224

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 王兆紅;邱菀華;梁美容;;熵權(quán)優(yōu)化模型在設(shè)施管理績(jī)效評(píng)價(jià)中的應(yīng)用研究[J];北京理工大學(xué)學(xué)報(bào)(社會(huì)科學(xué)版);2006年06期

2 辛子波,張日新;地方政府干預(yù)地方銀行行為分析[J];財(cái)經(jīng)問(wèn)題研究;2001年12期

3 張玲,曾維火;基于Z值模型的我國(guó)上市公司信用評(píng)級(jí)研究[J];財(cái)經(jīng)研究;2004年06期

4 于立勇,詹捷輝;基于Logistic回歸分析的違約概率預(yù)測(cè)研究[J];財(cái)經(jīng)研究;2004年09期

5 楊軍芳;張琴;吳清華;;商業(yè)銀行業(yè)績(jī)?cè)u(píng)價(jià)的非財(cái)務(wù)指標(biāo)設(shè)計(jì)[J];財(cái)會(huì)月刊;2005年26期

6 彭建剛,向?qū)?王建偉;內(nèi)部評(píng)級(jí)法的基本思想及其對(duì)我國(guó)銀行業(yè)發(fā)展的影響[J];財(cái)經(jīng)理論與實(shí)踐;2005年01期

7 李樹(shù)丞;胡芳;;基于模糊粗糙集的供應(yīng)商綠色評(píng)價(jià)體系研究[J];財(cái)經(jīng)理論與實(shí)踐;2006年04期

8 彭路;;社區(qū)銀行與地方經(jīng)濟(jì)協(xié)同發(fā)展的戰(zhàn)略思考[J];財(cái)經(jīng)理論與實(shí)踐;2007年03期

9 張澤躍,胡斌;高績(jī)效工作體系與提高商業(yè)銀行的競(jìng)爭(zhēng)優(yōu)勢(shì)[J];金融論壇;2002年06期

10 鄧云勝,劉莉亞;商業(yè)銀行內(nèi)部信用評(píng)級(jí)方法的比較研究[J];當(dāng)代財(cái)經(jīng);2004年09期

相關(guān)博士學(xué)位論文 前1條

1 何曉晴;工程項(xiàng)目成功合作及其管理指標(biāo)體系的構(gòu)建與研究[D];湖南大學(xué);2006年

相關(guān)碩士學(xué)位論文 前10條

1 蔣勝;銀行項(xiàng)目貸款評(píng)估方法探討[D];西南財(cái)經(jīng)大學(xué);2004年

2 陸鳳興;我國(guó)商業(yè)銀行經(jīng)營(yíng)績(jī)效實(shí)證研究[D];暨南大學(xué);2004年

3 龔妤;我國(guó)商業(yè)銀行績(jī)效評(píng)價(jià)體系研究[D];暨南大學(xué);2005年

4 張莉;城市商業(yè)銀行與中小企業(yè)信用擔(dān)保機(jī)構(gòu)合作模式研究[D];湖南大學(xué);2006年

5 鄧湘益;我國(guó)地方政府干預(yù)城市商業(yè)銀行問(wèn)題研究[D];湖南大學(xué);2006年

6 朱世香;基于可拓理論的商業(yè)銀行績(jī)效評(píng)價(jià)研究[D];哈爾濱工業(yè)大學(xué);2006年

7 張?chǎng)午?世界銀行對(duì)華援助戰(zhàn)略研究[D];吉林大學(xué);2007年

8 李曉琳;金融衍生品對(duì)我國(guó)證券公司財(cái)務(wù)績(jī)效影響的系統(tǒng)分析[D];沈陽(yáng)工業(yè)大學(xué);2006年

9 張楷;郵政銀行多維度績(jī)效管理系統(tǒng)建設(shè)[D];北京郵電大學(xué);2007年

10 張曉剛;以EVA為核心的BSC商業(yè)銀行績(jī)效評(píng)價(jià)體系研究[D];哈爾濱工程大學(xué);2008年

，

本文編號(hào)：1944159