智力资本对商业银行竞争力的影响研究

发布时间：2018-03-26 14:29

本文选题：智力资本　切入点：人力资本　出处：《湖南师范大学》2015年硕士论文

【摘要】：随着知识经济的蓬勃发展,智力资本已经成为企业的一项重要战略性资源,是企业提高绩效和保持竞争力的关键因素。商业银行作为一类特殊性质的企业,又是金融系统的主体,其竞争力水平影响着整个国民经济健康有序地运行。因此,我国商业银行应该如何合理有效地运用智力资本提高竞争力显得尤为重要。本文结合智力资本理论、核心竞争力理论、委托代理理论,推演出智力资本对企业竞争力的作用机理,并根据商业银行自身特点,进一步分析智力资本对商业银行的作用与影响,进而提出相应的研究假设。根据一定的筛选标准,获取我国国有商业银行、股份制商业银行以及城市商业银行一共24家商业银行2009年和2013年两年财务数据。借助VAIC智力资本增值系数模型,对各家商业银行的智力资本进行测度；在阅读并总结国内外评价商业银行竞争力相关文献的基础之上,构建了一套商业银行竞争力评价体系,并运用因子分析方法,对其竞争力水平进行综合评分。最后利用相关性分析、回归分析等统计方法,以2013年数据为样本数据,对本论文的研究假设进行验证,并通过对比的方法,将2009年与2013年的实证结果进行对比分析,最终根据研究结果提出相应的政策建议。本文运用规范分析和实证分析方法,得到以下结论：智力资本整体对商业银行竞争力有正向促进作用,但其构成要素人力资本和结构资本对竞争力的作用方向和大小,在不同性质商业银行中存在显著差异。通过对比2009年和2013年两年的实证结果,发现从我国放开金融市场至今,商业银行智力资本各构成要素对其竞争力的影响趋于均衡。
[Abstract]:With the vigorous development of knowledge economy, intellectual capital has become an important strategic resource of enterprises, which is the key factor for enterprises to improve their performance and maintain their competitiveness. It is also the main body of the financial system, and its competitive level affects the healthy and orderly operation of the whole national economy. It is very important for our commercial banks to use intellectual capital reasonably and effectively to improve their competitiveness. This paper combines the theory of intellectual capital, the theory of core competence and the theory of principal-agent. This paper deduces the mechanism of the function of intellectual capital to the competitiveness of enterprises, and according to the characteristics of commercial banks, further analyzes the function and influence of intellectual capital on commercial banks, and then puts forward the corresponding research hypotheses, according to certain screening criteria, The financial data of 24 commercial banks in 2009 and 2013 are obtained from state-owned commercial banks, joint-stock commercial banks and city commercial banks. The intellectual capital of each commercial bank is measured with the help of the VAIC model of intellectual capital increment coefficient. On the basis of reading and summing up the relevant literature on evaluating the competitiveness of commercial banks at home and abroad, a set of evaluation system of competitiveness of commercial banks is constructed, and the method of factor analysis is used to evaluate the competitiveness of commercial banks. Finally, using the correlation analysis, regression analysis and other statistical methods, taking the data of 2013 as the sample data, the research hypotheses of this paper are verified and compared. The empirical results of 2009 and 2013 are compared and analyzed, and finally the corresponding policy recommendations are put forward according to the results of the research. This paper uses normative analysis and empirical analysis methods. The conclusions are as follows: the whole intellectual capital has a positive effect on the competitiveness of commercial banks, but its constituent elements, human capital and structural capital, play an important role in the competitiveness. By comparing the empirical results of 2009 and 2013, it is found that the influence of the elements of intellectual capital of commercial banks on their competitiveness tends to be balanced from the financial market opening up to now.
【学位授予单位】：湖南师范大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.33

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