我国境内商业银行金融服务竞争力研究

发布时间：2018-08-30 17:11

【摘要】：随着金融体系的深化改革,市场上对金融服务的需求已经在驱动商业银行的策略升级,商业银行间的激烈竞争归根结底是以客户为导向的差异化综合金融服务的竞争力。如何提高金融服务综合竞争力,不仅仅是商业银行自身改革创新的需要,更是满足银监会的监管要求。整体分析和客观评价我国境内商业银行金融服务综合竞争力,这对于提高我国商业银行整体竞争实力和促进我国金融业国际化战略调整有着重要的理论意义及实践意义。本文以我国境内商业银行金融服务竞争力为研究对象,在梳理国内外文献研究成果基础上,对商业银行金融服务内涵进行界定,分析了商业银行金融服务演变、影响商业银行金融服务竞争力因素,找到商业银行金融服务存在的问题;结合商业银行金融服务发展现状,借鉴商业银行竞争力相关的指标体系,构建商业银行金融服务竞争力评价指标体系,选取30家境内商业银行作为研究样本,在上市商业银行年报、国泰安数据库、Wind资讯、上海证券交易所网站、深圳证券交易所网站数据和雅虎财经上收集原始数据,采用因子分析以及回归分析法对商业银行金融服务竞争力进行实证分析,得到了商业银行服务竞争力的主要影响因子、存在的问题,根据境内商业银行在金融服务竞争力的排名,对国内银行与外资银行、国内各银行间进行横向、纵向分析其优势与差距。最后,根据商业银行存在问题提出增强金融服务竞争力的建设性对策。
[Abstract]:With the deepening reform of the financial system, the demand for financial services in the market has been driving the strategic upgrading of commercial banks. The fierce competition among commercial banks is, in the final analysis, the competitiveness of differentiated comprehensive financial services oriented by customers. How to improve the comprehensive competitiveness of financial services is not only the need of commercial banks to reform and innovate, but also meet the regulatory requirements of CBRC. The overall analysis and objective evaluation of the comprehensive competitiveness of the financial services of commercial banks in China have important theoretical and practical significance for improving the overall competitive strength of the commercial banks in China and promoting the adjustment of the internationalization strategy of our financial industry. This paper takes the competitiveness of financial services of commercial banks in China as the research object, on the basis of combing the research results of domestic and foreign literature, defines the connotation of financial services of commercial banks, and analyzes the evolution of financial services of commercial banks. The factors that affect the competitiveness of commercial banks' financial services, find out the problems existing in the financial services of commercial banks, and draw lessons from the relevant index system of the competitiveness of commercial banks, combined with the current situation of the development of commercial banks' financial services, The evaluation index system of financial service competitiveness of commercial banks is constructed. 30 domestic commercial banks are selected as the research samples. The annual report of listed commercial banks, Cathay Taian database and Wind Information, the website of Shanghai Stock Exchange, are introduced. Shenzhen Stock Exchange website data and Yahoo financial data collected on the original data, using factor analysis and regression analysis method to commercial banks financial services competitiveness empirical analysis, obtained the main factors affecting the competitiveness of commercial banks services, According to the ranking of domestic commercial banks in the competitiveness of financial services, this paper analyzes the advantages and differences between domestic banks and foreign banks, as well as between domestic banks and domestic banks. Finally, according to the existing problems of commercial banks, constructive countermeasures to enhance the competitiveness of financial services are put forward.
【学位授予单位】：哈尔滨理工大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.33

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