摘要本文主要介绍了因子分析法的基本思想和一些简单的历史，以及在实际应用中的重要性。在介绍方法时，本文罗列出因子分析的主要步骤，具体介绍了在因子分析过程当中一些步骤的具体求解方法，最后举例阐述了因子分析的上机实现。这当中我们使用IBM SPSS Statistics来完成对研究对象的数据分析。(SPSS是一款属于IBM公司的用于数据分析运算和挖掘的一款功能强大的软件，同样是世界上最早的一款数据分析软件。75719

在选择对象时，我们选择分析国内各大商业银行竞争力。商业银行的竞争力并不能直接通过某一单一指标来直接决定，而是通过一些列诸如资产规模，网点总数，员工数量等等相关因素来反映。所以商业银行的竞争力很适合用因子分析法来分析。另外，国内的金融市场逐渐繁荣，商业银行在金融行业中有着中流砥柱的作用，选择这样的一个分析对象，既符合现在社会的趋势，也能为今后在实践中提供一定的参考。最后我们会根据基于因子分析的竞争力排名结果来为各大银行的现状做一个简单的具有一定参考价值的总结。

毕业论文关键词：因子分析法;商业银行;竞争力

This paper includes the basic spirits and some concise history of factor analysis which carry a substantial weight in practice。 In the procedure of introducing the skills used in factor analysis, the key steps are set out to expound how the factor analysis is implied on the PC。 The SPSS Statistics is the chosen software which comes to achieve the ideal results of experiments。 (Ps：The SPSS Statistics, a functional software belonging to IBM, specializes in data analysis and mining and is the pioneer in its own field)

The competitiveness of commercial banks is selected as the experimental subject。The reasons why we choose the banks’ competitiveness is that not only one factor can constitute the whole system of index。 There remain many relating factors like asset sizes, branches number and staff counting。  In another aspect, with the propriety of the financial market in China, A more important role played by commercial banks in this domain which is a perfect subject to research, and can serve as references for the later practice。

The paper would take a conclusion of the current situation of the primary banks which are supportive to the reference in the further study so that we can keep abreast of the trend of the society。

Keywords:  Factor Analysis ;Commercial banks;Competitiveness

目    录

1。导论 4

1。1研究背景 4

1。2研究意义 4

2．因子分析法的介绍 5

2。1起源 5

2。2概念 5

2。3基本思想 5

2。4基本步骤 6

2。5流程图 6

3。选样及数据提取 7

3。1商业银行的概念 7

3。1。1性质 7

3。1。2职能 7

3。1。3地位 7

3。1。4 经营目标 8

3。2商业银行的样本选取 8

3。3评价指标体系