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商业银行弱经济周期性分析及启示——以美国富国银行为例
引用本文:肖建军,黄彦菁.商业银行弱经济周期性分析及启示——以美国富国银行为例[J].南方金融,2009(9).
作者姓名:肖建军  黄彦菁
作者单位:1. 北京大学光华管理学院,北京,100871
2. 上海电机学院,上海,200240
摘    要:商业银行经营往往具有较强的亲经济周期性,这不仅增大了银行股东的风险,也不利于塑造稳健经营的社会形象.本文选取美国富国银行为案例,通过主成分分析方法评估富国银行多年的经营表现情况,并结合美国经济波动情况,得出结论:富国银行经营具有稳定上升趋势,受到宏观经济的影响较小,具有弱经济周期性.本文最后结合富国银行的经营理念、风险控制、多元化渠道建设以及并购战略等因素,探讨富国银行弱经济周期性背后的原因及其对我周商业银行的启示.

关 键 词:商业银行  弱经济周期性  富国银行

Analysis of Commercial Bank's Weak Cyclicality and Its Implications:Case of Wells Fargo Bank
Xiao Jianjun,Huang Yanjing.Analysis of Commercial Bank''s Weak Cyclicality and Its Implications:Case of Wells Fargo Bank[J].South China Finance,2009(9).
Authors:Xiao Jianjun  Huang Yanjing
Institution:Xiao Jianjun1 and Huang Yanjing2 (1.Guanghua School of Management,Peking University,Beijing,100871 China,2.Shanghai Dianji University,Shanghai,200240 China)
Abstract:Performance of commercial banks follows economic cycle usually,which increases shareholders' risk and decreases banks' good-quality images.This paper chooses Wells Fargo Bank as an example,evaluating its historic performance by principal component analysis,combining American economic fluctuation,and reaches a conclusion that Well Fargo Bank's performance is on the continuous rise,but of weak cyclicality.Taking into consideration of the factors such as mandates,diversified channel and M&A of Wells Fargo Bank...
Keywords:Commercial Banks  Weak Cyclicality  Wells Fargo Bank  
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