摘要
本文采用全局主成分分析法,以财务指标为研究对象,对中国内地的12家本土银行和3家外资银行2009—2012年间的面板数据进行了实证分析。分析结果表明,本土银行在资产规模、网点数目、客户认可度等方面具有得天独厚的优势,其总体经营业绩要高于外资银行。但外资银行的业绩增长速度明显快于中资银行,并且在安全性指标上的表现也要优于本土中资银行,其经营模式表现出更好的成长性和稳健性。
This paper employs the principal component analysis method, takes the financial indicators of banks as the objects, and test the panel data of 12 native banks and 3 foreign banks from 2009-2012 to compare their performances. We find that native banks have larger asset size, more branches, and higher customer acceptance therefore have better performance than foreign banks. However, foreign banks have higher growth rates of earnings and are more sound in terms of safety indicators. Therefore, foreign banks are better at growth and more stable
出处
《金融监管研究》
2014年第5期77-93,共17页
Financial Regulation Research
基金
中央财经大学"211工程"三期重点学科建设项目
教育部人文社会科学基金面上项目(项目批准号:10YJA790240)资助
关键词
全局主成分
经营业绩
经营模式
Global Principal Components Analysis Method
Operation Performance
Operation Patterns
