我国商业银行竞争力综合评价研究

发布时间：2018-01-12 06:00

本文关键词：我国商业银行竞争力综合评价研究　出处：《天津大学》2013年博士论文　论文类型：学位论文

【摘要】：随着金融在现代市场经济中的地位越来越重要，金融体系的规模大小、效率高低、抗风险能力强弱，，已经成为推动或制约一个国家经济发展的重要因素。作为金融体系的核心，体现了一定社会制度、经济环境、经济体制、人文背景、技术条件、社会综合发展水平下，商业银行生存、竞争和可持续发展综合能力的商业银行核心竞争力越来越成为人们研究的重点。那么什么是商业银行竞争力？商业银行竞争力包括哪些因素？商业银行如何在市场竞争中保持较高的竞争力？……如何解决这些问题，如何在客观分析我国商业银行核心竞争力现状的基础上，对我国商业银行的综合竞争力进行理论研究，提出增进我国商业银行核心竞争力的主要途径与策略，就越来越显得意义非凡、刻不容缓。鉴于此，本文将重点研究以下内容： 1．在国内外有关商业银行核心竞争力研究现状回顾的基础上，阐述了论文选题的现实背景、选题依据与研究价值，界定了论文的主要研究内容、研究方法、研究思路和结构框架。并从商业银行竞争力内涵剖析入手，对西方竞争力和马克思关于竞争力的理论进行了回顾，着重对商业银行竞争力与其他组织竞争力之间的区别与特殊性进行了阐述，对其竞争力演化过程进行了分析，为后续研究奠定基础。 2．通过对我国商业银行发展历程的回顾，分析了我国商业银行运作模式的制度变迁。并对国外商业银行竞争力进行了借鉴分析，剖析其合理性和适应性，从而总结出我国商业银行竞争力演变路径的管理。 3.主要从两个方面剖析了我国商业银行竞争力的影响维度，从内部来看，商业银行的战略、文化、制度结构、内部治理都在很大程度上决定了其市场竞争力大小；从外部来看，环境维度、风险控制更决定了商业银行竞争力的外部适应性。并在这两方面分析基础上，运用灰色关联度和系统聚类方法对我国商业银行竞争力现状进行了评述，并得出了相关结论。 4.运用因子分析方法，从实证分析的角度对我国商业银行竞争力进行了探析。通过对我国商业银行安全能力、盈利能力和发展能力三方面状态因素展开调查分析，即客观衡量了我国商业银行竞争力的发展现状和存在问题，又为国际大金融形势下商业银行竞争力的提升提供了思路和依据。 5.在把握了商业银行竞争力的内涵、了解了我国商业银行的发展历程、洞悉了商业银行竞争力的影响维度、明确了我国商业银行竞争力的发展现状和存在问题之后，本章分别从制度、文化和结构角度对如何提升我国商业银行竞争力进行了剖析，增强了研究的实践应用性。
[Abstract]:With the increasingly important position of finance in the modern market economy, the scale, efficiency and anti-risk ability of the financial system are strong and weak. Has become an important factor to promote or restrict the economic development of a country. As the core of the financial system, it embodies a certain social system, economic environment, economic system, humanistic background, technical conditions. Under the social comprehensive development level, the commercial bank survival, the competition and the sustainable development synthesis ability commercial bank core competition ability becomes the research focus increasingly. So what is the commercial bank competition ability? What factors does the competitiveness of commercial banks include? How can commercial banks maintain high competitiveness in the market competition? How to solve these problems and how to carry on the theoretical research on the comprehensive competitiveness of our commercial banks on the basis of objectively analyzing the present situation of the core competence of our country's commercial banks. It is more and more significant and urgent to put forward the main ways and strategies to enhance the core competence of commercial banks in China. In view of this, this paper will focus on the following contents: 1. On the basis of reviewing the current situation of the research on the core competence of commercial banks at home and abroad, this paper expounds the realistic background, the basis and the research value of the selected topic, and defines the main research contents and research methods of the thesis. From the analysis of the connotation of the competitiveness of commercial banks, this paper reviews the western competitiveness and Marx's theory on competitiveness. The differences and particularities between the competitiveness of commercial banks and the competitiveness of other organizations are expounded, and the evolutionary process of competitiveness of commercial banks is analyzed in order to lay a foundation for further research. 2. Based on the review of the development of commercial banks in China, this paper analyzes the institutional changes of the operation mode of commercial banks in China, and analyzes the competitiveness of foreign commercial banks, and analyzes its rationality and adaptability. Thus summarize the management of the evolving path of the competitiveness of commercial banks in our country. 3. Mainly from two aspects to analyze the impact of the competitiveness of commercial banks in China dimension, from the internal point of view, the commercial banks strategy, culture, institutional structure. Internal governance to a large extent determines the size of its market competitiveness; From the external perspective, the environmental dimension, risk control determines the external adaptability of commercial banks competitiveness. And on the basis of these two aspects of analysis. The present situation of the competitiveness of commercial banks in China is reviewed with the method of grey correlation and systematic clustering, and the relevant conclusions are drawn. 4.Using the method of factor analysis, this paper analyzes the competitiveness of Chinese commercial banks from the perspective of empirical analysis. Three aspects of profitability and development capacity are investigated and analyzed, that is, objectively measuring the development status and existing problems of the competitiveness of commercial banks in China. It also provides ideas and basis for the promotion of commercial banks' competitiveness under the international financial situation. 5. it grasps the connotation of commercial bank's competitiveness, understands the development course of our country's commercial bank, and understands the influence dimension of commercial bank's competitiveness. After clarifying the current situation and existing problems of the competitiveness of commercial banks in China, this chapter analyzes how to enhance the competitiveness of commercial banks in China from the perspective of system, culture and structure. The practical application of the research is enhanced.
【学位授予单位】：天津大学
【学位级别】：博士
【学位授予年份】：2013
【分类号】：F832.33

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