基于层次分析法的上市商业银行财务竞争力研究

发布时间：2018-05-04 07:37

本文选题：上市商业银行 + 财务竞争力　；参考：《天津财经大学》2013年硕士论文

【摘要】：在全球金融危机尚未结束、欧债危机越演越烈的背景下,全球银行业竞争格局仍在不断演变。财务竞争力的增强对商业银行的持续发展有着极其重大的意义,探索如何有效地识别、培育进而提升商业银行财务竞争力,将是一个亟待解决的重要问题。商业银行作为我国金融体系中最重要的组成部分,银行财务竞争力的强弱不仅直接关系到商业银行自身的健康发展,更关系到我国金融体系是否稳定的大局。因此,建立科学有效的指标评价体系,对我国上市商业银行财务竞争力进行分析,不但有利于帮助商业银行发现自身存在的不足,还可以促进金融体制改革的进一步深化。目前,对于我国上市商业银行财务竞争力的研究尚处于讨论和探索阶段,没有形成系统地设计思路和具体方案。国内外学者关于财务竞争力的研究大多针对于一般企业,很少有专门针对商业银行财务竞争力的深入研究,而且对于商业银行财务竞争力的研究,往往针对于国有银行、城市商业银行等特定类型商业银行,这不利于对我国上市商业银行总体财务竞争能力的把握,也不便于不同类型商业银行财务竞争力的比较。因此,在财务竞争力理论的基础上,结合我国上市商业银行的特点,文章挑选出具有代表性的15个财务指标,分别从盈利能力、风险管理能力、发展创新能力及规模实力四个方面,构建了我国上市商业银行财务竞争力的评价体系,并以我国16家上市商业银行为样本,选取其2009-2011年相关数据,运用层次分析法定量地测定与评价我国上市商业银行的财务竞争力,力求能较为全面、客观、真实的反映我国上市商业银行的竞争格局。最后,结合实证研究的结果,文章有针对性地提出了一系列提升我国上市商业银行财务竞争力的建议与措施,为商业银行保持持续健康的发展提供了参考。
[Abstract]:As the global financial crisis is not over and the European debt crisis is intensifying, the global banking competition pattern is still evolving. The enhancement of financial competitiveness is of great significance to the sustainable development of commercial banks. It will be an important problem to be solved urgently to explore how to effectively identify and foster the financial competitiveness of commercial banks. Commercial banks as the most important part of our financial system, the financial competitiveness of banks is not only directly related to the healthy development of commercial banks themselves, but also related to the overall situation of the stability of our financial system. Therefore, the establishment of a scientific and effective index evaluation system to analyze the financial competitiveness of listed commercial banks in China will not only help the commercial banks to find their own shortcomings, but also promote the further deepening of the reform of the financial system. At present, the research on the financial competitiveness of listed commercial banks in China is still in the stage of discussion and exploration, and there is no systematic design idea and concrete scheme. Most of the research on financial competitiveness of domestic and foreign scholars is aimed at the general enterprises, but there are few in-depth studies on the financial competitiveness of commercial banks. Moreover, the research on the financial competitiveness of commercial banks is often aimed at state-owned banks. City commercial banks and other specific types of commercial banks are not conducive to the grasp of the overall financial competitiveness of listed commercial banks in China, nor is it convenient to compare the financial competitiveness of different types of commercial banks. Therefore, on the basis of the theory of financial competitiveness, combined with the characteristics of listed commercial banks in China, the paper selects 15 representative financial indicators, respectively from the profitability, risk management ability, The evaluation system of financial competitiveness of Chinese listed commercial banks is constructed in four aspects of developing innovation ability and scale strength. Taking 16 listed commercial banks in China as a sample, the relevant data from 2009-2011 are selected. The financial competitiveness of listed commercial banks in our country is determined and evaluated quantitatively by AHP, in order to reflect the competition pattern of listed commercial banks in China in a more comprehensive, objective and true way. Finally, combined with the results of empirical research, the paper puts forward a series of suggestions and measures to improve the financial competitiveness of listed commercial banks in China, which provides a reference for the commercial banks to maintain a healthy and sustainable development.
【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】：F275;F832.33

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