摘要：商业银行的历史悠久，业务种类复杂繁多，在金融行业有着金融中介的作用。银行业的快速健康发展是金融业旳健康发展的基础，我国商业银行的经营效率也对金融业的长远发展和资源配置起到决定性的作用，也决定中国经济能否稳定、迅速地发展。先进的绩效评价体系对商业银行的业务开展起到举足轻重的作用。在国际经济不景气、很多的企业面临倒闭、投资担保公司的资金链发生断裂、政治局势不安的社会环境下，部分商业银行已经发生了 “存款荒”的状况。现在，国际金融大环境不够稳定，商业银行要想获得较高的效益，就必须突显出银行绩效评价的重要性。32098
本文主要通过对多内外商业银行绩效评价文献的回顾，分析我国商业银行绩效评价的现状，最终，在符合我国国情和我国商业银行经营特点的基础上，对商业银行的绩效评价提出合理的建议。
毕业论文关键词：商业银行   绩效评价   政策建议
Commercial Bank Performance Evaluation and Analysis
Abstract: Commercial Bank has a long history. Many types of business are complex, in the financial industry, IT plays a role of financial intermediaries. Rapid and healthy development of the banking industry is the basis for the healthy development of the financial sector. Operational efficiency of Chinese commercial banks have to finance long-term development and resource configuration play a decisive role, but also determines whether the Chinese economy steady and rapid development. Scientific and reasonable performance evaluation of the survival and development of commercial banks play a crucial role. In the international economic downturn, many companies are facing closure, the company's capital investment guarantee chain was broken, uneasy political situation under the social environment, some commercial banks have had "deposit shortage" situation. Now, the international financial environment is not stable enough, the commercial banks in order to obtain higher efficiency, it is necessary to highlight the importance of bank performance evaluation. In this paper, many inside and outside the commercial banks through the performance evaluation of the literature review, analysis of national commercial bank performance evaluation, performance evaluation method for now mainstream commercial banks evaluation and analysis, to compare the advantages and limitations of each method of performance evaluation. Finally, in line with China's basic national conditions and characteristics of China's commercial banks on commercial banks' performance evaluation put forward reasonable proposals.
Keywords：Commercial Bank, Performance Evaluation, Policy Recommendations
目  录
一、 导论
（一） 研究背景1
（二） 研究意义1
（三）文献综述2
二、 商业银行绩效评价的现状
（一） 商业银行绩效评价的相关概念3
（二） 目前我国商业银行的绩效评价方法.5
（三）商业银行绩效评价的现状..9
三、商业银行绩效评价的影响因素
（一）财务因素对商业银行几绩效评价的影响10
（二）治理特征因素对商业银行绩效评价的影响..10
四、我国商业银行绩效评价存在的问题11
五、 对完善符合我国国情的商业银行绩效评价的建议..13
参考文献..1
一、导论
（一）研究背景
在我国，金融业是占中国国民经济中很大部分的一环。金融业的融资作用也十分突出，中国的国民经济主体要想实现资本快速、有效的积累，离不开金融行业的稳定、快速的发展。金融业的快速发展，有利于企业加快实现其现代化的大规模生产经营模式；有助于缩短企业实现其规模经济效益所需的时间；有助于更好地使用各种资源，有助于社会经济快速、健康地发展。 商业银行绩效评价分析:http://www.751com.cn/jingji/lunwen_28521.html