基于因子分析的商业银行竞争力评价实证研究

发布时间：2018-03-04 19:38

本文选题：商业银行竞争力　切入点：评价指标　出处：《东北财经大学》2013年硕士论文　论文类型：学位论文

【摘要】：在经济愈益全球化的今天,金融业作为现代经济的核心与支柱,其发展水平在一定程度上影响着一个国家的发展水平。商业银行则是宏观经济调控的市场基础,是中央银行货币政策的具体执行者,作为我国金融体系中最核心的部分,商业银行体系的稳定关系到国家整个金融体系的稳定,其竞争力强弱对我国国民经济的发展具有举足轻重的作用。对于我国银行业而言,既要面对来自国内同业的竞争,同时又要面对强大的国际对手的挑战,竞争形势十分严峻。而我国商业银行的整体竞争实力并不高,中国银行业在为我国经济的快速持续发展做出重大贡献的同时,也暴露出一些问题：中间业务收入占比、风险管理水平、经营管理水平等方面与国际同业还存在一定差距。随着外资银行参与国内银行竞争程度的不断提高,中国银行业面临着市场份额下降和盈利能力下降的风险。如何在国际化市场条件下,保护我国金融业稳定蓬勃发展,提高银行的综合竞争力是我国上市商业银行所面对的一个重大挑战。因此,面对着如此激烈的竞争环境,关注如何提高银行竞争力,既是商业银行的核心任务,也是商业银行经营可持续发展的前提条件。本文选取了包括国有商业银行、全国性股份制商业银行、城市性商业银行和外资银行在内的16家上市银行作为竞争力评价实证研究的样本对象,运用SPSS statistics软件对分析样本2012年的财务数据进行因子分析,通过对比各个因子的得分及综合因子得分,全面地分析和评价各家上市银行的竞争力。从而研究影响商业银行竞争力的主要因素,再通过对比两大类商业银行的指标来探讨我国商业银行竞争力的提升途径,并提出几点合理建议。
[Abstract]:In today's increasingly globalized economy, the financial industry, as the core and pillar of the modern economy, has a certain degree of influence on the level of development of a country, and commercial banks are the market basis for macroeconomic regulation and control. As the core part of our financial system, the stability of the commercial banking system is related to the stability of the country's entire financial system. Its competitive power plays an important role in the development of our national economy. For China's banking industry, it is necessary to face the competition from domestic banks as well as the challenges from powerful international rivals. The competition situation is very severe. However, the overall competitive strength of our commercial banks is not high. While China's banking industry has made great contributions to the rapid and sustainable economic development of our country, it has also exposed some problems: the proportion of intermediate business income, the level of risk management, There is still a certain gap between foreign banks and their international counterparts in terms of their level of operation and management. With the increasing degree of foreign banks participating in the competition of domestic banks, China's banking industry is facing the risk of falling market share and declining profitability. How to protect China's financial industry from developing steadily and vigorously under the international market conditions? Therefore, in the face of such fierce competition environment, it is the core task of commercial banks to pay attention to how to improve the competitiveness of banks. It is also a prerequisite for the sustainable development of commercial banks. In this paper, 16 listed banks, including state-owned commercial banks, national joint-stock commercial banks, urban commercial banks and foreign banks, are selected as the sample of empirical research on competitiveness evaluation. SPSS statistics software is used to analyze the financial data of 2012. By comparing the score of each factor and the score of comprehensive factor, This paper comprehensively analyzes and evaluates the competitiveness of each listed bank, so as to study the main factors affecting the competitiveness of commercial banks, and then discusses the ways to enhance the competitiveness of commercial banks in China by comparing the indicators of the two types of commercial banks. Some reasonable suggestions are put forward.
【学位授予单位】：东北财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33;F224

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