我国股份制商业银行竞争力研究

发布时间：2018-03-29 18:37

本文选题：股份制商业银行　切入点：竞争力　出处：《云南师范大学》2014年硕士论文

【摘要】：金融是现代经济的核心组成部分，在社会和经济发展中发挥着至关重要的作用。金融体系是否稳定与健康，直接关系到整个国民经济能否又好又快的发展，甚至关系到整个社会的安定，金融是经济民生的命脉所在。目前我国的融资结构主要是以间接融资为主，银行是整个经济体系中重要的资金融通渠道，占据着金融体系的主导地位。股份制商业银行作为我国银行业金融机构的分支，伴随着中国经济的发展快速成长，已经成为组成我国银行业金融体系的重要部分，，极大的支持了中小企业和地方经济的发展。股份制商业银行的改革与创新为我国银行业的改革发展作出了巨大的贡献。随着我国金融市场愈加开放，越来越多的外资商业银行分支机构在中国建立，经验丰富且资金雄厚的外资银行给股份制商业银行带来了巨大的冲击；另外，利率市场化的稳步推进和金融脱媒现象的加剧，极大的压缩了股份制商业银行的盈利空间。面对强劲的竞争对手和不利的市场环境，股份制商业银行唯有通过科学有效的分析自身的优劣势，通过不断的弥补自身的不足，从而增强竞争力获得更大的市场空间。本文以12家股份制商业银行为研究对象，另外还选取5家国有商业银行作为比较对象，通过建立科学有效的评价指标体系，运用SPSS软件和因子分析法对各股份制商业银行的竞争力进行了全面的研究分析。通过分析和比较，了解到各股份制商业银行的优劣势和特点所在，并有针对性的提出提升股份制商业银行竞争力的策略，以期提高其竞争力，并保持金融市场的稳定，从而更好的服务于中国经济的快速发展。
[Abstract]:Finance is the core component of modern economy, plays a vital role in the development of society and economy. The financial system is stable and healthy, is directly related to the development of the whole national economy can better and faster, and even related to the stability of the whole society, finance is the lifeblood of the economy and the people's livelihood. The current financing structure of our country mainly is based on indirect financing, bank financing channels is important in the whole economic system, occupies a dominant position in the financial system. As a branch of joint-stock commercial banks in China's banking financial institutions, along with the development of Chinese rapid economic growth, has become an important part of financial system of China's banks, great support the development of small and medium-sized enterprises and local economy. Made a great contribution to the reform and development of the reform and innovation of joint-stock commercial banks in China's banking industry.
As China's financial markets become more open, foreign commercial bank branches in more and more China established, experienced and well funded foreign banks to joint-stock commercial banks a huge impact; in addition, steadily and financial disintermediation interest rate market intensifies, has greatly reduced the profitability of joint-stock commercial banks space. In the face of strong competitors and unfavorable market environment, the joint-stock commercial banks only through their own analysis of the advantages and disadvantages of scientific and effective, through continuous make up for their deficiencies, so as to enhance the competitive force of greater market space.
In this paper, 12 joint-stock commercial banks as the research object, and selects 5 state-owned commercial banks as the comparison object, through the establishment of evaluation index system of scientific and effective use of SPSS software and factor analysis of the competitiveness of joint-stock commercial banks are analyzed comprehensive study. Through analysis and comparison, to understand the the joint-stock commercial bank's advantages and characteristics, and puts forward to enhance the competitiveness of joint-stock commercial bank strategy, in order to improve its competitiveness, and maintain the stability of financial markets, the rapid development in order to better serve the Chinese economy.

【学位授予单位】：云南师范大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33

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