湖南大学学报(自然科学版)
湖南大學學報(自然科學版)
호남대학학보(자연과학판)
JOURNAL OF HUNAN UNIVERSITY(NATURAL SCIENCES EDITION)
2010年
2期
83-87
,共5页
商业银行%贷款项目%灰色关联分析%逐步判别分析
商業銀行%貸款項目%灰色關聯分析%逐步判彆分析
상업은행%대관항목%회색관련분석%축보판별분석
commercial bank%lend project%gray correlation analysis%stepwise discriminate analysis
国内外对商业银行经营绩效评价方法主要体现在指标体系,但在模型上并没有重视适用性,造成商业银行贷款项目进行绩效评估时缺少适合的模型.根据商业银行贷款项目进行绩效评估的特点,利用灰色关联分析法、模糊评判综合法和逐步判别分析法各自优点结合形成一种GFS新算法,对其新的贷款项目进行判别分析.实践结果表明,GFS新算法评估效果好,能为银行高层管理者在贷款项目决策中提供依据.
國內外對商業銀行經營績效評價方法主要體現在指標體繫,但在模型上併沒有重視適用性,造成商業銀行貸款項目進行績效評估時缺少適閤的模型.根據商業銀行貸款項目進行績效評估的特點,利用灰色關聯分析法、模糊評判綜閤法和逐步判彆分析法各自優點結閤形成一種GFS新算法,對其新的貸款項目進行判彆分析.實踐結果錶明,GFS新算法評估效果好,能為銀行高層管理者在貸款項目決策中提供依據.
국내외대상업은행경영적효평개방법주요체현재지표체계,단재모형상병몰유중시괄용성,조성상업은행대관항목진행적효평고시결소괄합적모형.근거상업은행대관항목진행적효평고적특점,이용회색관련분석법、모호평판종합법화축보판별분석법각자우점결합형성일충GFS신산법,대기신적대관항목진행판별분석.실천결과표명,GFS신산법평고효과호,능위은행고층관리자재대관항목결책중제공의거.
The research on the performance evaluation of commercial banks is mainly embodied in the indicator system. However, the existing models do not attach importance to applicability, resulting in the lack of suitable evaluation models for the evaluation of loan projects of commercial banks. Therefore, in accordance with the characteristics of the loan projects of commercial banks, this article has combined the gray relational analysis method, fuzzy comprehensive evaluation method and stepwise discriminative analysis method with their respective advantages to develop a new algorithm, GFS algorithm. This GFS algorithm can do discriminative analysis for new loan projects. Practice has shown that this GFS algorithm has a good evaluation effect. It can provide senior managers with theoretical basis for decision-making.