国有商业银行和股份制商业银行竞争力比较研究

发布时间：2018-01-11 00:10

本文关键词：国有商业银行和股份制商业银行竞争力比较研究　出处：《武汉理工大学》2012年硕士论文　论文类型：学位论文

【摘要】：金融体系繁荣的关键是银行业的发展,银行业的兴衰取决于银行的整体竞争实力,因而银行竞争力的强弱是掌握我国经济发展和社会稳定的命脉。加入WTO之后,面对国内国外两个市场的竞争,我国银行业采取了一系列措施提高自身的竞争实力,国有商业银行和股份制商业银行表现尤为突出,通过股份制改革、公开发行上市等方式,成为我国银行业生力军。然而,无论是针对国有商业银行还是股份制银行,在日益开放的金融市场中何如科学地提高竞争力,都是至关重要的问题。因此,通过构建我国商业银行的评价指标体系,对国有商业银行和股份制商业银行竞争力进行比较研究,是探索提升我国银行业竞争力的有效途径,对我国银行业也具有重要的理论和现实意义,本文正是以此为核心展开的。商业银行具有企业的一般性质又有其特殊性,因此本文是以研究企业竞争力和商业银行及其竞争力的相关理论为基础,并分析、借鉴国内外机构和学者的研究成果,构建了适用于我国商业银行竞争力评价的指标体系。此指标体系是以传统竞争力和发展竞争力为一级指标,其中传统竞争力包括了规模竞争力、安全性竞争力、盈利性竞争力和流动性竞争力四个决定商业银行竞争力的基础性的二级指标,而发展竞争力包括了可持续发展竞争力、治理结构竞争力、业务结构竞争力和管理竞争力四个决定商业银行发展潜力的二级指标。进而,取了23个三级指标,并搜集了2009-2011年的相关数据,对国有商业银行和股份制银行的发展进行了趋势分析和因子分析。其中,趋势分析以三年的数据资料为基础,对银行自身发展的道路进行比较,简单评价其上升或下降的趋势；因子分析以三年数据的算术平均为基础,对传统竞争力、发展竞争力和综合竞争力分别进行了比较。最后,对实证结果进行分析,探讨国有商业银行和股份制银行分别存在着哪些亟待解决的问题,并提出总体上应该坚持金融创新,营造良好的金融竞争环境等改善措施。总之,本文紧密结合我国国有商业银行和股份制商业银行实证比较的结果,学习国外优秀的管理经验和先进方法,探讨了国有商业银行和股份制银行各自的不足并分别提出提升其竞争力的措施和路径,最终对提高我国银行业整理竞争力水平具有较强的理论和实践指导意义。
[Abstract]:The key to the prosperity of the financial system is the development of the banking industry. The rise and fall of the banking industry depends on the overall competitive strength of the banks. Therefore, the competitiveness of banks is the lifeblood of our country's economic development and social stability. After China's entry into WTO, it faces the competition between domestic and foreign markets. China's banking industry has taken a series of measures to improve its competitive strength, especially state-owned commercial banks and joint-stock commercial banks. However, whether for state-owned commercial banks or joint-stock banks, in the increasingly open financial market He Ru scientifically improve competitiveness, is a crucial issue. Through the construction of the evaluation index system of commercial banks in China, the comparative study on the competitiveness of state-owned commercial banks and joint-stock commercial banks is an effective way to improve the competitiveness of China's banking industry. It is also of great theoretical and practical significance to China's banking industry, which is the core of this paper. Commercial banks have the general nature of enterprises and have their particularities, so this paper is based on the study of the competitiveness of enterprises and commercial banks and their competitiveness theory, and analysis. Referring to the research results of domestic and foreign institutions and scholars, this paper constructs an index system suitable for the evaluation of the competitiveness of commercial banks in China. This index system is based on the traditional competitiveness and development competitiveness as the primary index. Traditional competitiveness includes scale competitiveness, security competitiveness, profitability competitiveness and liquidity competitiveness, which determine the competitiveness of commercial banks. The development competitiveness includes four secondary indicators, namely, sustainable development competitiveness, governance structure competitiveness, business structure competitiveness and management competitiveness, which determine the development potential of commercial banks. It also collects relevant data from 2009-2011, and makes trend analysis and factor analysis on the development of state-owned commercial banks and joint-stock banks. Among them, the trend analysis is based on the data of three years. Compare the development of the banks themselves, and evaluate the rising or declining trend of the banks; Based on the arithmetic average of three years' data, factor analysis compares the traditional competitiveness, the development competitiveness and the comprehensive competitiveness. Finally, the empirical results are analyzed. This paper probes into the problems that exist in state-owned commercial banks and joint-stock banks respectively, and puts forward some improvement measures such as persisting in financial innovation and creating a good financial competition environment. In short, this paper closely combined with the results of empirical comparison between state-owned commercial banks and joint-stock commercial banks, learning foreign excellent management experience and advanced methods. This paper discusses the shortcomings of state-owned commercial banks and joint-stock banks, and puts forward the measures and paths to enhance their competitiveness respectively, which is of great theoretical and practical significance to improve the competitiveness of banking industry in China.
【学位授予单位】：武汉理工大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.33;F224

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