齐鲁银行核心竞争力研究

发布时间：2018-01-08 01:24

本文关键词：齐鲁银行核心竞争力研究　出处：《山东大学》2012年硕士论文　论文类型：学位论文

【摘要】：随着中国金融体制改革的逐渐深入,中国银行业的机构发生了巨大的变化,城市商业银行由城市信用合作社重组产生,从无到有,从业余走到专业再到公众持股,如今这一层次的商业银行已成为我国银行体系的一个重要组成部分。伴随他们成长的是中国银行业内外部经营环境的剧烈变化,“金融脱媒”趋势加剧,银行业竞争日益激烈,外资银行抢占市场的步伐加快。城市商业银行与国内其他层次商业银行相比,核心竞争力差成为制约其今后发展的关键因素。因此,在不断变化的国际环境和日益激烈的内部竞争形势下,如何确立竞争战略,利用外部机会、发挥优势资源、提升核心竞争能力,是包括齐鲁银行在内的每一个城市商业银行必须解决的问题,也是本文研究的目的所在。本文不失一般性,选择SWOT分析法定性的分析齐鲁银行的核心竞争力；尝试定量地分析城商行的竞争力,通过对商业银行核心竞争力评价的指标体系、评价方法和评价模型的比较,最后选用层次分析法(AHP)来分析股份制商业银行竞争力更具优势。然后将其具体地运用到齐鲁银行,测算评价其现实核心竞争力。通过可得到的数据尽可能的将同城的其他商业银行竞争力指标测算出来,进行比较分析,结果显示齐鲁银行在安全性、资本收益率和综合竞争能力三个指标上排名靠后,在流动性、发展能力和人力资本三个方面排名居中。综合起来看齐鲁银行核心竞争力弱,从严格意义上来说其并不具备明显的核心竞争力,其所谓的优势很多都是外部赋予的,比如政府的支持,脱离了政府的支持,其竞争力要进一步弱化。根据实证分析结果,只要提出了齐鲁银行要明确定位,改革人力资源管理水平和薪酬制度以此来吸引人才,通过人才兴行战略推进产品创新,通过流程再造和人员素质的提高来提高风险管理能力,保持和强化自身优势弥补劣势,逐渐形成和强化我行的核心竞争力。
[Abstract]:China along with the deeper reform of financial system, great changes have taken place in Chinese banking institutions, city commercial banks, city credit cooperatives by the reorganization from scratch, from amateur to professional go to public ownership, now the level of commercial banks has become an important part of China's banking system. With them the growth of the dramatic changes in the external business environment China banking ", exacerbating the financial disintermediation trend, the banking industry increasingly fierce competition, foreign banks seize the market to accelerate the pace of city commercial banks. Compared with other domestic level of commercial banks, the core competitiveness of the poor become the key factor restricting the future development. Therefore, in a constantly changing the international environment and the increasingly fierce competition in the internal situation, how to establish the competitive strategy, taking advantage of external opportunities, give full play to the advantages of resources, enhance the core competitive ability That is, including Qilu bank every city commercial banks have to solve the problem, which is the purpose of this study. In this paper, without loss of generality, SWOT analysis of the core competitiveness of the qualitative analysis method of Qilu bank; try to quantitative analysis of city commercial competitiveness, through the evaluation index system of the core competitiveness of commercial banks. Comparison of evaluation methods and models, the final selection of the analytic hierarchy process (AHP) to analyze the competitiveness of joint-stock commercial banks more competitive. Then their specific use to measure and evaluate the Qilu bank, the real core competitiveness. Through the available data as much as possible to the other city commercial banks competitiveness index calculation, for comparative analysis showed that Qilu bank in safety, the rate of return on capital and competitive ability of the three indexes in the ranking, liquidity, ability and development Three aspects of human capital top center. Combination of Qilu bank core competitiveness is weak, in the strict sense it does not have a clear core competitiveness, the so-called many advantages are external to the support of the government, for example, from the support of the government, to further weaken its competitiveness. According to the results of empirical analysis, as long as the Qilu bank to define the reform of human resources management and compensation system in order to attract talent, the talent strategy for promoting product innovation, to improve the ability of risk management through process reengineering and improving the quality of personnel, to maintain and strengthen their own advantages to make up for the disadvantage, gradually formed and strengthen the core competitiveness of our bank.

【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.33;F224

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