基于因子分析的国际大型商业银行竞争力研究

发布时间：2018-10-14 17:09

【摘要】：2006年底我国金融业全面对外开放以来，商业银行之间的竞争日趋激烈。一方面，国内商业银行要面临来自于陆续进入国内市场的大量国际一流的外资银行的竞争；另一方面，随着传统国有银行股份制改造的相继完成，实力雄厚的国有银行转型成为真正意义上的商业银行，与国内股份制银行、城市商业银行之间展开了同业竞争。与此同时，金融脱媒态势凸显，利率市场化进程加速，我国银行业进入了全面对外开放和全面竞争的时代，不仅要应对国外内同业竞争，还要面临自身持续发展的压力。在这种形势下，如何提升我国银行业可持续竞争力，推动我国银行业与国际接轨极具研究价值和现实意义。本文在关于商业银行竞争力现有的研究成果和理论基础上，分析和吸收得出商业银行竞争力的内涵，并参照国内外已有的商业银行竞争力评价指标设计，遵循科学性、可比性、可操作性等原则，构建了一套具有可操作性的商业银行竞争力评价指标体系。在此基础上选取了具有一定代表性的30家国际大型商业银行作为研究对象，，收集并整理了各大银行2011年度的财务数据作为研究样本数据。然后运用SPSS19.0统计软件对原始数据进行因子分析，提取了盈利与安全因子、创新与管理因子、规模实力因子和风险抵御因子等四个主因子。通过各因子得分对样本银行进行排名，结果显示我国的五家大型商业银行在盈利与安全因子和规模因子上表现突出，在风险抵御因子上表现平平，在创新与管理因子上表现不佳。综合排名显示，我国大型商业银行与国际同业比较已具备了一定的竞争力，但与国外先进的一流大型商业银行相比还有差距，有待于进一步提升竞争力。最后本文建议我国商业银行可以从增强规模实力、提升盈利能力、提高风险管理能力以及加强持续发展能力等方面提升竞争力。
[Abstract]:Since China's financial industry opened to the outside world at the end of 2006, the competition among commercial banks has become increasingly fierce. On the one hand, domestic commercial banks have to face competition from a large number of international first-class foreign banks entering the domestic market one after another; on the other hand, with the completion of the joint-stock system transformation of traditional state-owned banks, The powerful state-owned banks have transformed into real commercial banks, competing with domestic joint-stock banks and urban commercial banks. At the same time, the financial disintermediation situation is prominent, the interest rate marketization process accelerates, our country's banking industry has entered the era of all-around opening up and comprehensive competition, not only to deal with the foreign and domestic competition, but also to face the pressure of its own sustainable development. In this situation, how to improve the sustainable competitiveness of China's banking industry and promote the international integration of our banking industry is of great research value and practical significance. On the basis of the existing research results and theories on the competitiveness of commercial banks, this paper analyzes and absorbs the connotation of competitiveness of commercial banks, and designs the evaluation indexes of competitiveness of commercial banks at home and abroad. On the principle of maneuverability, a set of operable evaluation index system of commercial bank's competitiveness is constructed. On this basis, 30 representative international large commercial banks are selected as the research object, and the financial data of the major banks in 2011 are collected and collated as the sample data. Then we use the SPSS19.0 software to analyze the original data and extract four main factors: profit and security factor, innovation and management factor, scale strength factor and risk resistance factor. The results show that the five large commercial banks in our country are outstanding in profit and safety factors and scale factors, and are mediocre in risk resistance factors. Poor performance in innovation and management factors. The comprehensive ranking shows that China's large commercial banks have a certain degree of competitiveness compared with the international counterparts, but there is still a gap with the foreign advanced first-class large commercial banks, which needs to be further improved. Finally, this paper suggests that Chinese commercial banks can enhance their competitiveness from the aspects of scale strength, profitability, risk management and sustainable development.
【学位授予单位】：华中科技大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F831.2

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