我国上市商业银行竞争力分析

发布时间：2018-01-10 15:28

本文关键词：我国上市商业银行竞争力分析　出处：《广东外语外贸大学》2014年硕士论文　论文类型：学位论文

【摘要】：随着经济全球化和金融一体化趋势日益明显，我国商业银行也面临着更多的机遇和挑战。我国金融市场开放的节奏加快、资本利率市场的放宽、资本账户的开放、互联网金融的崛起等，这些都对我国商业银行的高效经营提出了更高的要求。据统计，2012年，我国银行业总资产为104.6万亿元，其中，我国17家上市商业银行的资产规模达到86.3万亿元，占比高达83%。由此可以看出，我国上市商业银行可以说是我国金融行业中最具活力的一部分，其竞争力的强弱对我国经济发展有着重要影响。目前，我国上市商业银行间的竞争激烈，竞争力也是参差不齐，如何在新环境下进一步提升我国商业银行的竞争力，，显得至关重要。因此，对我国上市商业银行的竞争力进行分析与研究具有重要的理论及现实意义。基于此，本文运用因子分析法对我国目前17家上市商业银行的竞争力进行了排名与研究。首先，本文就文章的研究背景、研究意义及研究方法等进行了阐述。然后，本文对企业竞争力及商业银行竞争力的相关理论及已有的研究成果进行了概括。接着，在参考前人研究成果的基础上建立起了我国上市商业银行的指标评价体系。再者，本文选取了我国17家上市商业银行作为研究对象，以各银行2012年的年度报表作为数据来源，采用因子分析法对这些上市商业银行的竞争力进行评价，并确定了它们的竞争力排名。此外，本文运用回归分析法得出了拉开银行竞争力差距的显著性指标。最后，本文根据分析结果为我国上市商业银行竞争力的提升给出了针对性建议。
[Abstract]:With the increasing trend of economic globalization and financial integration, Chinese commercial banks are also facing more opportunities and challenges. The opening of capital account and the rise of Internet finance have put forward higher requirements for the efficient management of commercial banks in China. According to statistics, in 2012, the total assets of China's banking industry was 104.6 tillion yuan. Among them, the assets of 17 listed commercial banks in China reach 86.3 tillion yuan, accounting for as much as 833%. China's listed commercial banks can be said to be the most dynamic part of our financial industry, its competitiveness has an important impact on the economic development of our country. At present, the competition between listed commercial banks in China is fierce. Competitiveness is also uneven, how to further enhance the competitiveness of commercial banks in the new environment, it is very important. It is of great theoretical and practical significance to analyze and study the competitiveness of listed commercial banks in China. Based on this, this paper uses factor analysis to rank and study the competitiveness of 17 listed commercial banks in China. First, this paper studies the background of the article. The significance of the research and research methods are described. Then, this paper summarizes the relevant theories and existing research results of the competitiveness of enterprises and commercial banks. The index evaluation system of listed commercial banks in China is established based on the previous research results. Furthermore, 17 listed commercial banks in our country are selected as the research object in this paper. Taking the annual statements of each bank in 2012 as the data source, the competitiveness of these listed commercial banks is evaluated by factor analysis, and their competitiveness ranking is determined. This paper uses the regression analysis method to draw the significant index of the gap between the competitiveness of the banks. Finally, according to the results of the analysis, this paper gives targeted suggestions for the competitiveness of listed commercial banks in China.
【学位授予单位】：广东外语外贸大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33;F271

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