大型商业银行国际竞争力:理论框架与国际比较
发布时间：2019-06-22 17:50
【摘要】：本文在总结国内外有关商业银行竞争力研究的基础上,提出了包含四组均衡关系的商业银行国际竞争力分析框架,即从资产与负债、收益与风险、创新与稳健、本地与扩张的角度来分析大型商业银行的国际竞争力问题,并结合英国《银行家》2006~2010年公布的全球大型银行财务数据展开实证分析,获得与理论框架相对应的规模、利润、稳健、增长4个解释因子。从实证结果来看,全球大型商业银行正在逐渐摆脱危机,但仍未完全恢复,我国的大型商业银行逐渐成长为有明显竞争优势的国际大银行,但仍需通过产品创新、资产运营、本地市场和风险管理提高国际竞争力。
[Abstract]:On the basis of summing up the research on the competitiveness of commercial banks at home and abroad, this paper puts forward an analysis framework of international competitiveness of commercial banks, which includes four groups of equilibrium relations, that is, from the perspective of assets and liabilities, income and risk, innovation and soundness, local and expansion, and carries out an empirical analysis based on the financial data of large global banks published by Bankers in the United Kingdom from 2006 to 2010. Four explanatory factors corresponding to the theoretical framework, such as scale, profit, soundness and growth, are obtained. From the empirical results, the large commercial banks in the world are gradually getting rid of the crisis, but they have not fully recovered. The large commercial banks in China have gradually grown into large international banks with obvious competitive advantages, but they still need to improve their international competitiveness through product innovation, asset operation, local market and risk management.
【作者单位】： 北京外国语大学;中国人民大学财政金融政策研究中心;中国银行;中国社会科学院;
【基金】：教育部重大攻关课题“全球新型金融危机与中国外汇储备问题研究”(08JZD0011) 中国博士后科学基金(20100480239)
【分类号】：F831.2
[Abstract]:On the basis of summing up the research on the competitiveness of commercial banks at home and abroad, this paper puts forward an analysis framework of international competitiveness of commercial banks, which includes four groups of equilibrium relations, that is, from the perspective of assets and liabilities, income and risk, innovation and soundness, local and expansion, and carries out an empirical analysis based on the financial data of large global banks published by Bankers in the United Kingdom from 2006 to 2010. Four explanatory factors corresponding to the theoretical framework, such as scale, profit, soundness and growth, are obtained. From the empirical results, the large commercial banks in the world are gradually getting rid of the crisis, but they have not fully recovered. The large commercial banks in China have gradually grown into large international banks with obvious competitive advantages, but they still need to improve their international competitiveness through product innovation, asset operation, local market and risk management.
【作者单位】： 北京外国语大学;中国人民大学财政金融政策研究中心;中国银行;中国社会科学院;
【基金】：教育部重大攻关课题“全球新型金融危机与中国外汇储备问题研究”(08JZD0011) 中国博士后科学基金(20100480239)
【分类号】：F831.2
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