基于因子分析法的商业银行可持续发展评价研究——以国有商业银行为例

摘要

This paper figures out the main elements that affect the sustainable development of commercial banks and establishes an index system of assessing the sustainable development of commercial banks based on the definition of sustainable development of commercial banks and the sustainable development theory of finance. By analyzing relevant statistics, the paper conducts an empirical study of the sustainable development of state-owned commercial banks in China by means of factor analysis and finds out the three main elements to estimate the overall ranking of the sustainable development of state-owned commercial banks in China. This paper fi- nally concludes the leading reasons that give rise to the differentiation of the sustainable development of state-owned commercial banks in China.%本文以金融可持续发展理论为基础，从剖析商业银行可持续发展的内涵入手，找出影响商业银行可持续发展的主要因素，构建出一套商业银行可持续发展评价指标体系。在此基础上利用相关数据，采用因子分析方法对我国国有商业银行的可持续发展进行了实证评价分析，得到了评价商业银行可持续发展的三个主因子以及我国国有商业银行可持续发展的综合排名，并据此分析了导致国有商业银行可持续发展水平高低的主要原因。