基于层次分析法的中小银行竞争力研究

发布时间：2018-01-03 10:18

本文关键词：基于层次分析法的中小银行竞争力研究　出处：《天津财经大学》2013年硕士论文　论文类型：学位论文

【摘要】：目前我国有中小银行五百多家,占全部银行数量的96%以上,总资产规模已超过73万亿元,在银行业总资产中的占比已超过50%,中小银行已成为中小企业金融服务的主要力量,但相比大型国有银行明显竞争力不足,所以分析中小银行竞争力十分必要。本文首先将从四个方面,即安全性、流动性、盈利能力、创新能力来判定中小银行竞争力的大小。然后将所要分析的中小银行分为三类,每类选取4家银行,最后抽取的银行共有十二家,分别是：浦发银行、招商银行、民生银行、华夏银行、北京银行、天津银行、宁波银行、哈尔滨银行、北京农商行、上海农商行、天津农商行、重庆农商行。收集获取上述银行于2012年上半年的相关报告并得到了其关键性数据,并采用层次分析法分析上述银行所具有的竞争力大小,得到最终的竞争力大小排名结果。上述工作完成之后,接着就是找出影响这些银行竞争力的因素,并加以分析。股份制银行竞争力不足的主要原因是市场份额缺失,管理水平滞后；城市商业银行竞争力不足的主要原因是城市商业银行的风险管理技术落后,公司治理机构不完善,筹备资金渠道狭窄和自身定位模糊；相比之下农村商业银行竞争力不足的主要原因有,农村商业银行经营风险过于集中,难以满足客户的个性化需求和产品和服务创新技术含量低。然后根据实际情况,针对各类中小银行提出提升竞争力的对策：股份制银行可以通过适当提高市场份额,改善管理能力来提高竞争力；城市商业银行可以通过建立全面的风险管理系统,推进良好的内部评价体系,健全资金补充渠道和细分市场,打造核心竞争力来提升竞争力；农村商业银行可以通过降低不良贷款率,为客户提供特色化、个性化、人性化的服务,加快金融创新的步伐来提升竞争力。
[Abstract]:At present our country small and medium-sized banks more than 500, accounting for more than 96% of the number of all banks, the total assets have more than 73 trillion yuan in total assets in the banking sector accounted for more than 50% of small and medium-sized banks has become the main force of the financial services of small and medium-sized enterprises, but compared with the large state-owned banks obviously lack of competitiveness, so the analysis of small and medium sized banks is very competitive necessary.
This paper from four aspects, namely, safety, liquidity, profitability, innovation ability of small and medium-sized banks to determine the competitiveness of the size. Then the small and medium-sized banks to analysis is divided into three categories, each category selected 4 banks, the bank finally selected a total of twelve, are: Shanghai Pudong Development Bank, China Merchants the bank, Minsheng Bank, Huaxia Bank, Beijing bank, Tianjin bank, Ningbo bank, Harbin bank, Beijing agricultural firms, Shanghai agricultural firms, Tianjin agricultural firms, Chongqing agricultural firms. Reports of obtaining the banks in the first half of 2012 and got the key data, and using AHP to analysis the bank with the competition power, to obtain the final competitiveness ranking results.
After the completion of the above work, then is to find out the factors that influence the competitiveness of banks, and analyzes the main reason is the lack of competitiveness of the joint-stock banks market share loss, lag management; the main reason is the lack of competitiveness of the city commercial bank risk management of city commercial banks in the backward technology, corporate governance mechanism is not perfect, the narrow channels of funding the main reason and self localization is fuzzy; compared with the lack of competitiveness of the rural commercial banks, rural commercial bank management risk is too concentrated, difficult to meet customer demand for personalized and innovative products and services with low technical content. Then according to the actual situation, the countermeasures to enhance the competitiveness of small and medium-sized banks: put forward all kinds of joint-stock banks can appropriately raise the market share to improve the management ability, to improve the competitiveness of city commercial banks through the establishment; Comprehensive risk management system, promote the good internal evaluation system, perfect the capital supply channel and market segments, to build the core competitiveness to enhance competitiveness; the rural commercial bank can reduce the rate of non-performing loans, provide specialized and personalized customers personalized service, accelerate the pace of financial innovation to improve competitiveness.

【学位授予单位】：天津财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.3

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