截至 2016 年末，华夏银行总资产突破 2 万万亿元，在境外与 1000 多家银行
建立业务合作关系，与 110 多个国家建立代理业务，已构建了全球覆盖的贸易结
算体系。在国内，设立 38 家一级分行，45 家二级分行，遍布中心城市近 90 个，
营业网点约 800 个，形成了“立足大型城市，辐射全国”的多层次立体格局。本
文充分详阅了国内外有关银行经营绩效的相关文献，在结合本国研究和实践的基
础上，着力分析了华夏银行绩效评价体系的影响因素，构建了华夏银行绩效评价
指标体系，并以包括华夏银行在内的 16 家商业银行近三年的财务数据为样本进
行因子分析，进而提出了华夏银行经营绩效提升的对策。本文研究结论主要有：
（1）华夏银行经营绩效评价体系构建应遵循应遵循相关性、全面性与重要性相
结合、可行性与客观性等原则；经营绩效评价指标包括净资产收益率、总资产收
益率、营业收入利润率、流动比率、资本充足率、不良贷款率、总资产增长率、
营业收入增长率、净利润增长率、存款增长率等 10 个指标。（2）我国的国有银
行逐步呈现出一般的趋势：国有银行盘子大，但是经营绩效评估却不协调；股份
制商业银行相对小巧灵活，经营绩效更显优化。华夏银行作为股份制商业银行，
其经营绩效虽落后于同类银行中的招商银行、浦发银行、兴业银行及平安银行等，
但同时也意味着华夏银行在提升规模及效益方面还有很大的空间。（3）华夏银
行应结合商业银行发展趋势和自身经营实际，通过强化成本管理以提高盈利能
力、强化风险管理以提高资产质量、强化金融创新以提高发展能力，进而提升自
身的经营绩效和市场的核心竞争力，使华夏银行自身的发展充满动力、潜力和活
力
关键词：华夏银行；经营绩效评价；评价体系；因子分析II
Abstract
With China’s entry into the new normal, “ three stages of economic
development ” ,the structural reform of supply-side,economic trasformation and
upgrading will make profound changes in the banking sectormercial banks are
bid farewell to high growth,high interest rates,high profits’s ‘three high Era’.As an
important part of the financial intustry,the business performance of commercial bank
always being widespread concern in the community mercial banks are financial
enterpriser and its business and debt structure has a distinct uniqueness,so it is a
method for evaluating the performance of general manufacturing enterprises and
commercial enterprises but not suitable for the performance evaluation of commercial
banks.
As the fifth listed banks in the country,HuaXia Bank set up the 38 primary
branches,the 45 second-level branches and the 9 remote branches in the center of the
88 cities,the branch network gets the aim to 789,formed a agency system that“basing
on economically developed cities,standing firm in the country” ,to set up a agency
service relationship with more than a thousand offshore banks,the network of the
agent banks throughout 115 countries in five continents and areas of 354 cities,to
structure a settlement network that cover the world’s major trade areas . In this
article,on the basis of taking the example by enterprise performance
evaluation,research results and practical experience at home and abroad,analysis of
the influencing factors of the HuaXia Bank’s performance evaluation,structuring the
HuaXia Bank’s performance evaluation index system,and using the nearly three years’
financial data of 16 commercial banks including HXB for the samples for factor
analysis,so as to put forward the methods of improving the HuaXia Bank’s business
performance evaluation.The main conclusion of this article:(1)The construction of
performance evaluation system of HuaXia Bank should keep to the combination of
reciprocity,comprehensiveness and importance,feasibility and objective and other
principles.Operating performance evaluation index include return on assets,all capital
earnings rate,operating income margin,current ratio,capital adequacy ratio,
non-performing loan ratio,growth rate of total assets,increase rate of business
revenue,net profit growth rate,deposit growth rate and other ten indicators.(2)The
scale of state-owned commercial banks is large, but the operating performance is
relatively poor while Joint stock commercial banks have relatively small scale butIII
relatively good operating performance.As a joint stock commercial bank,Although the
operating performance of HuaXia Bank fall behind similar banks like China
Merchants Bank,Shanghai Pudong Development Bank,Industrial Bank,Ping An Bank
and so on,at the same time it also means that HuaXia Bank still have a large space in
elevating scale and efficiency (3)HuaXia Bank should combine trend in development
of commercial bank and self management practice,by strengthening the cost
management to improve profitability, strengthen risk management to improve the
quality of assets, strengthen financial innovation to improve the ability of
development and then we can improve our operating performance and core
competitiveness of the market so that the development of can be filled with motive
power,potential and vitality.
Keywords: HuaXia Bank,Business performance evaluation,Evaluation
system,Factor analysisIV
目录
摘要I
Abstract..........II
目录..........IV
1 绪 论1
1.1 研究背景及意义.........1
1.1.1 研究背景..........1
1.1.2 研究意义..........2
1.2 国内外研究综述.........3
1.2.1 国外研究综述..3
1.2.2 国内研究综述..3
1.2.3 文献述评..........4
1.3 研究内容.........5
1.4 研究方法.........5
1.5 研究创新.........6
2 华夏银行经营绩效评价的相关理论..........7
2.1 经营绩效评价的涵义.7
2.1.1 经营绩效..........7
2.1.2 绩效评价..........7
2.2 华夏银行经营绩效评价的方法选择.8
2.2.1 经济增加值（EVA）法8
2.2.2 杜邦财务分析法..........8
2.2.3 平衡计分卡......9
2.2.4
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