| 我国商业银行零售客户资产测量模型的构建与实证研究 |
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| 引用本文： | 马军平,李纯青,马迅.我国商业银行零售客户资产测量模型的构建与实证研究[J].南京财经大学学报,2011(4). |
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| 作者姓名： | 马军平 李纯青 马迅 |
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| 作者单位： | 西安工业大学经济管理学院;西安交通大学管理学院; |
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| 基金项目： | 国家自然科学基金(70872087,71002102); 陕西省教育厅基金(08JK082,2010JK141); 陕西省普通高等学校哲学社会科学特色学科建设项目; 西安工业大学科研创新团队建设计划资助 |
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| 摘 要： | 客户资产是一种可以计量的资源,而目前我国商业银行并没有很好的办法测量零售客户作为一种资产的价值。本文引入2004年Gupta等人提出的基于公开数据方法的客户资产测量模型,并根据我国商业银行年报特点对原模型变量进行重新定义,构建我国商业银行零售客户资产模型。将改进模型运用到我国商业银行进行实证分析并得到有效验证,结果显示我国银行零售客户资产未来增长迅速。
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| 关 键 词： | 客户资产 公开数据 商业银行 |
China Commercial Bank's Retail Customer Equity Measuring Model Development and Application: the Method Based onPublicly Available Data |
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| Ma JunPing,Li ChunQing,Ma Xun.China Commercial Bank's Retail Customer Equity Measuring Model Development and Application: the Method Based onPublicly Available Data[J].Journal of Nanjing University of Finance and Economics,2011(4). |
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| Authors: | Ma JunPing Li ChunQing Ma Xun |
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| Institution: | Ma JunPing1,2,Li ChunQing1,Ma Xun1(1.School of Economics and Management,Xi'an Technological University,Xi'an 710032,China,2.School of Management,Xi'an Jiaotong University,Xi'an 710049,China) |
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| Abstract: | Customer equity is a valuable recourse.China commercial banks have currently no good way to measure retail customer as the value of equity.Based on the method of Gupta,Lehmann and Stuart,we used customer equity model by publicly available data to apply to China commercial bank' retail customer.Then we improved the measurement model,according to the characteristic of China's commercial bank report.We made and validated empirical analysis.The result shows that the retail customer equity of China Bank maintain... |
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| Keywords: | Customer Equity Publicly Available Data China commercial bank |
| 本文献已被 CNKI 等数据库收录！ |
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