我国中小商业银行的核心竞争力问题研究

发布时间：2019-05-14 20:40

【摘要】：核心竞争力理论研究越来越受到学术界和实业界的重视,如何构建企业的核心竞争力是每个企业都要面对的问题。核心竞争力理论认为,企业生存的根本就是具有竞争力,而竞争力向来以企业核心竞争力为基础。任何企业战略目标的实质就是不断构建和完善自身的核心竞争力,清晰界定核心竞争力的概念,认清核心竞争力的特性,结合企业所处的环境,规范化、合理化的管理好企业各项资源,能够使企业存在长期的竞争力。核心竞争力理论的研究很少涉及到中小商业银行,本文在以往银行竞争力研究的基础上,结合核心竞争力理论提取出中小商业银行核心竞争力的特征,找出中小商业银行核心竞争力的主要来源。中小商业银行核心竞争力主要由稀有能力、难以效仿能力、有价值能力和不可替代能力构成,从行业竞争对手的角度来看,指的是不可效仿的特有能力。中小商业银行核心竞争力的基础是人力资源和服务水平,它们是核心竞争力的载体。中小商业银行的无形资源包括银行的信誉、产品品牌、产品创新能力、员工学习能力和获取信息的能力。中小商业银行的核心竞争力由很多资源组成,核心竞争力的竞争也就是银行资源的竞争,因此,科学合理的评价中小商业银行核心竞争力对识别银行间差距和差异非常重要。文章选取一些评价指标作为核心竞争力的评价体系,选择理想的银行作为参照对象,依据灰色系统评价理论对中小商业银行进行分析和评价,计算出中小商业银行核心竞争力大小的排序,按照排序的大小选择出核心竞争力最强的银行。评价模型可以反映出与行业里优秀银行的差距,帮助中小银行修正自己的发展方向。我国现代企业制度不完善与银行缺乏国际视野影响了中小商业银行的创造力,同时也影响了核心竞争力的培育和构建。因此,中小商业银行要保持现有竞争力的同时,不断抓住市场需求和信息的反馈,动态调整自身的发展策略,不断完善核心竞争力。
[Abstract]:The theoretical research of core competence has been paid more and more attention by academia and industry. How to construct the core competence of enterprises is a problem that every enterprise has to face. According to the theory of core competence, the survival of enterprises is based on competitiveness, and competitiveness has always been based on the core competitiveness of enterprises. The essence of the strategic goal of any enterprise is to constantly construct and improve its own core competitiveness, clearly define the concept of core competitiveness, recognize the characteristics of core competitiveness, combine the environment in which the enterprise is located, and standardize. Reasonable management of enterprise resources, can make enterprises have long-term competitiveness. The research on the theory of core competence rarely involves small and medium-sized commercial banks. On the basis of the previous research on the competitiveness of small and medium-sized commercial banks, this paper extract the characteristics of the core competitiveness of small and medium-sized commercial banks combined with the theory of core competitiveness. Find out the main source of the core competitiveness of small and medium-sized commercial banks. The core competitiveness of small and medium-sized commercial banks is mainly composed of rare ability, difficult to emulate ability, valuable ability and irreplaceable ability. From the point of view of industry competitors, it refers to the unique ability that can not be emulated. The core competence of small and medium-sized commercial banks is based on human resources and service level, and they are the carriers of core competitiveness. The intangible resources of small and medium-sized commercial banks include bank reputation, product brand, product innovation ability, employee learning ability and access to information. The core competence of small and medium-sized commercial banks is composed of many resources, and the competition of core competitiveness is the competition of bank resources. Therefore, scientific and reasonable evaluation of the core competitiveness of small and medium-sized commercial banks is very important to identify the gap and differences between banks. This paper selects some evaluation indexes as the evaluation system of core competitiveness, selects the ideal bank as the reference object, and analyzes and evaluates the small and medium-sized commercial banks according to the grey system evaluation theory. The ranking of the core competence of small and medium-sized commercial banks is calculated, and the banks with the strongest core competence are selected according to the ranking. The evaluation model can reflect the gap with the excellent banks in the industry and help the small and medium-sized banks to correct their own development direction. The imperfection of modern enterprise system and the lack of international vision of banks in China affect the creativity of small and medium-sized commercial banks, as well as the cultivation and construction of core competitiveness. Therefore, small and medium-sized commercial banks should maintain their existing competitiveness, constantly grasp the feedback of market demand and information, dynamically adjust their own development strategy, and constantly improve their core competitiveness.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33

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