我国上市商业银行竞争力的实证研究

发布时间：2018-01-02 19:18

本文关键词：我国上市商业银行竞争力的实证研究　出处：《云南师范大学》2013年硕士论文　论文类型：学位论文

【摘要】：随着2006年我国金融市场面相全球开放，银行业也对外开放，世界各国银行陆续进驻中国。这也对我国银行业形成了冲击，也正是此时，对我国银行业竞争力水平的研究推向高峰，随后对银行业的研究逐渐被冷落。距离2006年已经6年之久的今天，我们仍然有必要研究银行业的竞争力水平，首先，经过6年的发展，我国银行业现已基本具有相对完整的体系，各项制度相对完善；其次，6年之间，我国经济发展迅速，银行业作为经济发展的中心，也得到了长足的发展，而现在我国上市商业银行发展的如何、各家银行发展的程度、竞争力的水平仍值得研究。尤其是2008年金融危机过后，世界政治、经济形势发生重大变化，经济格局演化日趋复杂，在这样复杂多变的环境中，我国商业银行怎样去应对、怎样在多变的环境中生存、怎样处理好国内、国际上的关系，仍然是亟待解决的问题。众所周知，银行是任何一个国家的金融中心，银行通过发放贷款和吸取存款起到中介的作用，但是现在银行也逐渐多元化经营，不仅仅从事贷款和存款等主要业务，还从事各种中间业务。我国商业银行发展至今，业务逐渐增加，产品也逐渐多元化。截止到2012年我国上市商业银行共计16家，这些上市商业银行是我国商业银行的代表，资产估摸宏大。而面对如此之多的国内外银行，商业银行竞争十分激烈，，尤其是近几年来，我国银行逐渐增多，截止2012年我国银行共计36582家，那么如何提升银行的竞争力水平，成为古老而又有现实意义的话题，这也是本文所要研究的主要内容，本文通过选取15个能反应银行整体水平的指标和16家上市商业银行作为样本进行分析研究，指标覆盖银行的各个方面，包括财务指标和非财务指标。而以往的相关论文一般只采用财务指标进行分析，这样是不够全面的，银行业的竞争力水平不仅仅表现在财务指标上。在各位学者研究和各种理论的基础上，将这些指标建立一个模型，利用SPSS软件和因子分析法进行实证分析，最终得出各个上市商业银行的竞争力水平排名，并根据实证结果分析国有商业银行和上市股份制商业银行各自的优缺点，针对他们的弱势提出相应的对策和建议，以提升他们的竞争力水平，针对他们的优势为我国银行业提供借鉴，最后得出本文的结论，并对我国商业银行未来的发展前景进行展望。
[Abstract]:With the 2006 global financial market of our country is open, the banking sector is also open, world bank began to enter the Chinese. This is also the China's banking industry to form a shock, it is also at this time, the research on the level of competitiveness of China's banking industry to the peak, then the research on the banking industry gradually from 2006 has been neglected. 6 years ago today, the level of competitiveness, we still need to study the banking industry first, after 6 years of development, China's banking industry has been basically has a relatively complete system, the system is relatively perfect; secondly, between 6 years, China's rapid economic development, the banking industry as the center of economic development, but also to obtain the considerable development, and now how to develop China's listed commercial banks, development banks, competitiveness is still worth studying. Especially after the 2008 financial crisis, the world political and economic situation Great changes have taken place and the evolution of economic structure is becoming more and more complex. In such a complex and changeable environment, how to deal with China's commercial banks, how to survive in a changeable environment and how to deal with domestic and international relations is still a pressing problem.
As everyone knows, the bank is a national financial center, bank loans and deposits by absorbing play an intermediary role, but now banks have gradually diversified, not only engaged in loans and deposits such as the main business, also engaged in a variety of intermediate business. China's commercial banking business development has gradually increased, gradually diversified products by the end of 2012. China's listed commercial banks a total of 16, the listed commercial banks is the representative of China's commercial banks, asset reckon grand. In the face of so many domestic and foreign banks, the commercial bank is very competitive, especially in recent years, China's banking gradually increased, by the end of 2012 China's total bank 36582, how to enhance the level of competitiveness of the bank, have become old and realistic topic, the main content of this paper is to study, this paper selected 15 can Analysis of the overall level of response to the bank's index and 16 listed commercial banks as samples, all indicators covering banks, including financial and non-financial indicators. And the previous papers generally only uses financial indicators analysis, this is not enough, the level of competitiveness of the banking industry is not only reflected in the financial index. Based on the former research and theory, a model of these indicators is established, the empirical analysis by using SPSS software and factor analysis method, finally obtains the competitiveness level of each listed commercial banks ranked according to the advantages and disadvantages of the state-owned commercial banks and joint-stock commercial banks listed their empirical analysis results, for their weakness put forward the corresponding countermeasures and suggestions, in order to enhance their competitive level, and provide reference for their advantages for China's banking industry, the last The conclusion of this paper and the prospect of the future development of China's commercial banks are prospected.

【学位授予单位】：云南师范大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33

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