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一种商业银行管理效率计量属性基准的确定方法。

A determinate method of metrology attribute benchmark of commercial banks' management efficiency.

机构信息

School of Management Engineering, Xi'an University of Finance and Economics, Xi'an, China.

School of Electronic Information Engineering, Xi'an Technological University, Xi'an, China.

出版信息

PLoS One. 2022 Aug 4;17(8):e0272286. doi: 10.1371/journal.pone.0272286. eCollection 2022.

Abstract

The evaluation or metrology of commercial bank management efficiency is the core of its effective management. The existing management efficiency of commercial banks adopts evaluation scheme rather than metrology. There are four shortcomings with the evaluation scheme, the evaluation is a ranking of advantages and/or disadvantages, all objects should participate in the evaluation, the evaluation results are valid only for the evaluated objects, and the evaluation results lack the metrology benchmark of the object domain. To address this issue, the paper presents a method to determine the benchmark of management efficiency, which is similar to the unit "meter" in the metrology of "length" and the unit "scale" in the metrology of "management efficiency". Firstly, the method of cluster analysis is used to solve the problem of attribute metrology base of management efficiency metrology. Based on the master of certain attribute data of commercial bank management efficiency metrology, cluster analysis is carried out onto the attribute data, and its characteristics and patterns are mined to determine the candidate benchmark set. Secondly, in the candidate datum set, k-means method is used to determine the metrology attribute datum to obtain the general metrology attributes. Finally, the absolute metrology of management efficiency is carried out for any commercial bank according to the benchmark, and the validity and feasibility of the benchmark are verified with an example. In such a way, the deficiencies of four aspects of evaluation are solved. Such a strategy can be adapted to different banks at any different time for their respective measurement, which extends the clustering statistical methods for attribute datum determination. The results can be applied to some other fields wherein object metrology is the basic task.

摘要

商业银行管理效率评价或计量是其有效管理的核心。现有的商业银行管理效率采用评价方案而不是计量方案。评价方案有四个缺点,评价是对优势和/或劣势的排名,所有对象都应参与评价,评价结果仅对被评价对象有效,且评价结果缺乏对象领域的计量基准。为了解决这个问题,本文提出了一种确定管理效率基准的方法,类似于计量“长度”的单位“米”和计量“管理效率”的单位“尺度”。首先,采用聚类分析方法解决管理效率计量的属性计量基问题。基于商业银行管理效率计量的某些属性数据的主数据,对属性数据进行聚类分析,挖掘其特征和模式,确定候选基准集。其次,在候选数据集内,采用 k-均值方法确定计量属性数据,得到一般计量属性。最后,根据基准对任何商业银行进行管理效率的绝对计量,并通过实例验证基准的有效性和可行性。通过这种方式,解决了评价的四个方面的不足。该策略可以在任何不同时间适应不同的银行进行各自的测量,从而扩展了用于属性数据确定的聚类统计方法。该结果可应用于其他一些对象计量是基本任务的领域。

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