商业银行创新能力评价研究

发布时间：2018-07-11 18:52

本文选题：商业银行 + 创新能力　；参考：《武汉理工大学》2013年硕士论文

【摘要】：近年来,经济全球一体化步伐的加快,西方国家商业银行的金融创新活动风起云涌,产生和创造出了许多先进的金融交易工具,外资银行全面开放后,开始逐步抢占中国市场,中国商业银行业面临严峻威胁和挑战。从国内来看,伴随着利率市场化改革、资本监管严控、经济结构转型等宏观背景因素,银行这个社会支付中介和融资中介的地位面临挑战,以息差为主要收入来源的增长模式增长困难,改革和创新是我国商业银行提高竞争力,立于不败之地的必然选择。我国商业银行业在创新发展方面虽然取得了诸多进展,但仍然存在很多问题,包括金融创新由政府主导、科技创新和人才创新的效率不高、创新后续维护能力不足、信息技术与创新融合度不高、从业人员创新意识不足等。同时,与外国主流银行相比,中国商业银行创新管理还存在很大差距。本文在总结前人关于商业银行创新能力研究的基础上,明确界定商业银行、金融创新、创新能力的概念,论文主要包括以下几个方面的内容： (1)通过选取美国银行、汇丰银行和西班牙BBVA银行作为国外商业银行优秀代表,分析其创新发展模式,相应的总结国内商业银行的创新现状,指出了目前我国商业银行创新主要存在创新主导非市场化、与经济发展不同步、技术融合度不高等问题。 (2)根据第二章指出的创新能力的度量指标,以及对创新能力形成的影响因素,设计出了四个层次的共计10项评价创新能力指标,并决定采用因子分析法这种能根据主因子贡献率确定影响因子的分析方法来进行后续实证研究。 (3)结合湖北省商业银行的概况,本文选取了湖北省13家商业银行作为研究样本,通过收集相关数据,并依照设计提出的评价分析指标,运用SPSS分析软件,对收集样本进行计算和处理,得出商业银行的创新水平与产品创新程度密切相关,同时,国有商业银行的创新水平从整体上优于股份制银行的结论。 (4)最后,文章在规范分析和实证分析的基础上,就如何促进商业银行金融创新提出了包括完善金融创新机制、注重产品业务创新、培育创新文化、加大技术投入等对策建议。
[Abstract]:In recent years, with the acceleration of the pace of global economic integration, the financial innovation activities of commercial banks in western countries have surged, producing and creating many advanced financial trading tools. After the full opening of foreign banks, they began to seize the Chinese market step by step. China's commercial banking industry is facing serious threats and challenges. From the domestic point of view, with the interest rate marketization reform, capital supervision and strict control, economic restructuring and other macroeconomic background factors, the status of banks as social payment and financing intermediaries is facing challenges. The growth model with interest margin as the main source of income is difficult to grow. Reform and innovation are the inevitable choice for Chinese commercial banks to improve their competitiveness and stay in an invincible position. Although China's commercial banking has made a lot of progress in innovation and development, there are still many problems, including financial innovation led by the government, scientific and technological innovation and talent innovation efficiency is not high, innovation follow-up maintenance capacity is insufficient. The integration of information technology and innovation is not high, and the employees' consciousness of innovation is insufficient. At the same time, compared with foreign mainstream banks, there is still a big gap in innovation management of Chinese commercial banks. On the basis of summarizing the previous researches on the innovation ability of commercial banks, this paper clearly defines the concepts of commercial banks, financial innovation and innovation ability. The paper mainly includes the following aspects: (1) through the selection of Bank of America, HSBC Bank and BBVA Bank of Spain, as outstanding representatives of foreign commercial banks, analyze their innovative development models, summarize the innovation status quo of domestic commercial banks, and point out that innovation dominates non-marketization of commercial bank innovation in China. Problems such as out of step with economic development, low degree of technological convergence, etc. (2) the measurement index of innovation ability according to the second chapter, and the influence factors on the formation of innovation ability, A total of 10 indicators for evaluating innovation ability were designed at four levels. And decided to adopt the factor analysis method which can determine the influence factor according to the main factor contribution rate to carry on the follow-up empirical research. (3) combined with the Hubei Province commercial bank general situation, In this paper, 13 commercial banks in Hubei Province are selected as the research samples. By collecting the relevant data, and according to the evaluation and analysis index proposed by the design, the paper uses SPSS analysis software to calculate and process the collected samples. It is concluded that the level of innovation of commercial banks is closely related to the degree of product innovation. At the same time, the level of innovation of state-owned commercial banks is better than that of joint-stock banks as a whole. (4) finally, the article is based on normative analysis and empirical analysis. This paper puts forward some suggestions on how to promote the financial innovation of commercial banks, including perfecting the financial innovation mechanism, paying attention to the innovation of product business, cultivating the innovation culture and increasing the technical input.
【学位授予单位】：武汉理工大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33

【引证文献】