中国中小股份制银行核心竞争力分析

发布时间：2018-03-08 23:07

本文选题：中小股份制银行　切入点：竞争力　出处：《内蒙古大学》2012年硕士论文　论文类型：学位论文

【摘要】：银行是金融体系中重要的组织形式,而金融是经济的核心,是经济体系的命脉。经济全球化的时代,资本在世界各个角落自由地流动,商业银行在促进资本流通过程中,扮演着一个十分关键的角色。在我国资本市场长期发展不足,间接融资占据主导地位的背景下,银行的地位更显得举足轻重,而中小股份制商业银行又是商业银行中较为活跃的组成部分,尤其对中小民营企业的发展给予了很大的资金支持。因此,对中国中小股份制商业银行竞争力的研究是中国金融理论的重要组成部分。而目前国内对中小股份制商业银行的研究更多的是集中于分析功能定位、制度安排以及法人治理结构等方面,专门对其竞争力的研究还较少。我国中小股份制商业银行的现实情况是：自成立至今,凭借其灵活的机制、比较先进的理念以及没有历史负担等优势,中小股份制商业银行发展迅速,对我国银行业的整体发展也作出重要贡献。但是随着国有大型商业银行改革的不断深入和外资银行大规模进入,我国中小股份制商业银行面临着前所未有的挑战。因此,对我国中小股份制商业银行竞争力状况进行客观,全面的分析和评价,并制定行之有效的竞争力提升策略,无疑具有重大的理论和现实意义。本文的要旨,即针对中国中小股份制银行这个在国内并不受分外呵护但又具有顽强生命力的特殊金融群体,对其竞争力深入研究,剖析它们的竞争力现状,分析它们的现实与潜在的竞争力,通过与国外著名银行及国内传统商业银行的比较,找出其与国内外一流银行的实际差距和相对优势,并针对存在的若干问题,提出切实可行的增强竞争力的政策建议,以资借鉴。
[Abstract]:Banking is an important form of organization in the financial system, and finance is the core of the economy and the lifeblood of the economic system. In the era of economic globalization, capital flows freely in every corner of the world, while commercial banks are promoting the circulation of capital. It plays a very important role. In the background of the long-term underdevelopment of capital market and the dominant position of indirect financing, the position of banks is even more important. And small and medium-sized joint-stock commercial banks are more active components of commercial banks, especially to the development of small and medium-sized private enterprises to give a lot of financial support. The research on the competitiveness of China's small and medium-sized joint-stock commercial banks is an important part of Chinese financial theory. In the aspects of institutional arrangement and corporate governance structure, there are few researches on its competitiveness. The reality of China's small and medium-sized joint-stock commercial banks is: from its establishment to now, with its flexible mechanism, With more advanced ideas and no historical burden, small and medium-sized joint-stock commercial banks are developing rapidly. However, with the deepening of the reform of large state-owned commercial banks and the large-scale entry of foreign banks, the small and medium-sized joint-stock commercial banks in China are facing unprecedented challenges. It is undoubtedly of great theoretical and practical significance to analyze and evaluate the competitiveness of small and medium-sized joint-stock commercial banks in China objectively and comprehensively, and to formulate effective strategies to enhance their competitiveness. The main purpose of this paper is to analyze the competitiveness of the small and medium-sized joint-stock banks in China, which is a special financial group which is not specially cared for but has strong vitality in China. This paper analyzes their actual and potential competitiveness, finds out the actual gap and relative advantages between them and the first-class banks at home and abroad by comparing them with famous foreign banks and domestic traditional commercial banks, and aims at some problems. Put forward practical and feasible policy recommendations to enhance competitiveness, for reference.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.33

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