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主成份分析做为多元统计中一种很重要的数据处理方法,通过降维来简化数据结构,以便于描述、理解和分析数据。本文就采用主成份析法对国内11家商业银行2001年度的经营业绩进行了分析,兼顾盈利性、风险性和发展指标,力图对商业银行业绩进行全面评价。通过分析发现,股权结构和经营规模是影响我国商业银行业绩的主要因素,并根据分析结果提出了政策建议。
As a very important data processing method in multivariate statistics, principal component analysis simplifies the data structure through dimensionality reduction in order to describe, understand and analyze the data. In this paper, the principal component analysis was used to analyze the business performance of 11 commercial banks in China in 2001, taking into account the profitability, risk and development indicators, in an attempt to make a comprehensive evaluation of the performance of commercial banks. Through the analysis, it is found that the ownership structure and scale of operation are the main factors affecting the performance of commercial banks in our country, and the policy recommendations are put forward based on the analysis results.