上海银行竞争力影响因素及提升对策分析

发布时间：2018-05-05 14:24

本文选题：城市商业银行 + 竞争力　；参考：《兰州理工大学》2013年硕士论文

【摘要】：当前,我国银行业面临着复杂多变的国际国内金融经济形势,美国经济增长不确定、欧洲债务危机缠身、新兴国家经济增长放缓、国内经济发展解决体制性、结构性矛盾任重道远。在金融脱媒和利率市场化不断推进和深化的形势下,我国银行业全面提升竞争力是应对新形势的有效对策。城市商业银行作为我国银行体系的新成员,在十多年发展历程中发挥了独特作用,已成为我国银行业的重要组成部分。但由于历史原因的制约,城市商业银行在管理水平、经营规模、地域限制、风险防控、服务内容、产品种类、信息技术等方面与大型商业银行和股份制商业银行比较都存在着较大的差距,整体竞争能力相对薄弱。上海银行作为我国最早成立的城市商业银行,其发展历程是我国城市商业银行向真正商业银行转变的缩影,对其竞争力影响因素及提升对策进行分析,不仅对其本身具有现实意义,对城市商业银行群体乃至其他类型的银行业金融机构都具有很大的参考价值。本文通过对竞争力思想的来源、竞争力定义和内涵、企业竞争力以及商业银行竞争力一般内容的阐述,在分析总结国内外对商业银行竞争力的研究现状的基础上,借鉴有关商业银行竞争力的理论和分析成果,构建了商业银行竞争力的环境竞争力、现实竞争力、潜在竞争力和持久竞争力四个方面的影响指标体系。在此基础上,具体运用多元线性统计分析中的因子分析方法对上海银行和16家A股上市商业银行的各项竞争力指标进行实证分析运算,得出总体竞争力排名和分类指标排名,从中找到影响上海银行竞争力的因素,并基于SWOT分析方法认识上海银行当前存在的优劣势以及面临的机遇和威胁,真实地反映上海银行的竞争力水平,对上海银行竞争力的提高提出自己针对性的对策和意见。本文的研究为上海进一步提升竞争力提供了较为可行的分析方法和具体方案,也为了解城市商业银行的竞争力提供了必要的参考。通过研究发现,上海银行由于发展速度慢、资本充足低、收益能力差、成本收入高、净息差窄、电子银行落后等原因,致使综合竞争力在17家商业银行中处于较为落后的状态。为此,提出了通过加快推进业务转型发展、积极培育特色业务领域、努力提升各类业务渠道效能三个方面的重点领域提升综合竞争力,同时需要从加强资本与财务管理、深化风险与内控体系建设、提升信息科技水平、优化人力资源建设等四项配套措施加以落实。
[Abstract]:At present, China's banking industry is facing a complex and changeable international and domestic financial and economic situation. The United States' economic growth is uncertain, Europe's debt crisis is beset, the economic growth of emerging countries is slowing down, and domestic economic development is resolving the system. Structural contradictions have a long way to go. Under the situation of financial disintermediation and the marketization of interest rate, it is an effective countermeasure to deal with the new situation for our banking industry to enhance its competitiveness in an all-round way. As a new member of China's banking system, urban commercial banks have played a unique role in the course of more than ten years of development, and have become an important part of our banking industry. However, due to the constraints of historical reasons, urban commercial banks are in the management level, business scale, regional restrictions, risk prevention and control, service content, product types, Compared with large commercial banks and joint-stock commercial banks, there is a big gap in information technology, and the overall competitive power is relatively weak. As the earliest city commercial bank established in our country, the development of Shanghai Bank is the epitome of the transformation from the city commercial bank to the real commercial bank. It is not only of practical significance to itself, but also of great reference value to the group of urban commercial banks and even other types of banking financial institutions. Based on the analysis and summary of the current situation of the research on the competitiveness of commercial banks at home and abroad, this paper expounds the origin, definition and connotation of competitiveness, the competitiveness of enterprises and the general content of competitiveness of commercial banks. Based on the theory and analysis of the competitiveness of commercial banks, this paper sets up the impact index system of the competitiveness of commercial banks in four aspects: environmental competitiveness, realistic competitiveness, potential competitiveness and lasting competitiveness. On this basis, using the factor analysis method in the multivariate linear statistical analysis, this paper analyzes and calculates the competitiveness indexes of Shanghai Bank and 16 A-share listed commercial banks, and obtains the overall competitiveness ranking and classification index ranking. Find out the factors that affect the competitiveness of Shanghai Bank, and based on the SWOT analysis method to understand the current strengths and weaknesses of Shanghai Bank, the opportunities and threats faced, and truly reflect the competitiveness level of Shanghai Bank. The author puts forward his own countermeasures and suggestions on the improvement of Shanghai Bank's competitiveness. The research in this paper provides a more feasible analytical method and concrete scheme for Shanghai to further enhance its competitiveness, and also provides a necessary reference for understanding the competitiveness of urban commercial banks. Through the research, it is found that Shanghai Bank is in a relatively backward position among 17 commercial banks because of its slow development, low capital adequacy, poor earning ability, high cost income, narrow net interest margin and backward electronic bank. Therefore, by speeding up the business transformation and development, actively cultivating the characteristic business areas, and striving to enhance the comprehensive competitiveness in the three key areas of the efficiency of various business channels, it is necessary to strengthen the capital and financial management at the same time. Deepening the construction of risk and internal control system, improving the level of information science and technology, optimizing the construction of human resources and other four supporting measures to be implemented.
【学位授予单位】：兰州理工大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F271;F832.3

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