中小型商业银行核心竞争力评测及提升研究

发布时间：2018-04-04 14:34

本文选题：核心竞争力　切入点：中小型商业银行　出处：《西安科技大学》2015年硕士论文

【摘要】：具备显著的核心竞争力对于商业银行来说具有重要意义。本文在分析中小型商业银行核心竞争力现状及存在问题的基础上,借鉴核心竞争力的相关理论及学者的研究成果,遴选盈利性、安全性、流动性和可持续发展性指标构建了中小型商业银行核心竞争力评价指标体系,选取北京银行、南京银行、杭州银行等19家中小型商业银行进行实证分析。首先,结合专家评分结果,利用层次分析法确定各指标权重;其次,通过对各指标的量化分析构建中小型商业银行核心竞争力评价模型,最后,对选定的19家中小型商业银行核心竞争力进行评测,明确了其核心竞争力的发展水平。通过研究,主要得到了以下结论。第一,我国中小型商业银行经营额度和银行规模显著提升,有效引进了战略投资者,跨区域经营不断凸显,联合重组组建夸区域银行,借助资本市场以谋求上市发展,但仍存在差别化竞争能力不足,组织制度不够合理等问题。第二,我国中小型商业银行资本状况、资产质量、流动性已经满足基本核心竞争力的要求,但距优秀水平还有较大差距;地区之间中小型商业银行核心竞争力差距在逐步的缩小,但中西部地仍较为落后;中小型商业银行仍在与国有银行及股份制商业银行进行同质化的经营竞争。第三,北京银行、南京银行、杭州银行的核心竞争力排前三名,表现非常突出,具备了较强的核心竞争力;宁夏银行、汉口银行、内蒙古银行和富滇银行排在所选中小型商业银行的最后,难以与其他中小型商业银行相抗衡。第四,提出了提升中小型商业银行核心竞争力的有效措施,包括合理提升银行盈利规模、通过有效的风险管理机制提高安全性、提高商业银行资产流动性、明确市场定位以保持可持续性发展等。
[Abstract]:Having significant core competence is of great significance to commercial banks.On the basis of analyzing the present situation and existing problems of the core competence of the small and medium-sized commercial banks, this paper draws lessons from the relevant theories of the core competence and the research results of the scholars to select the profitability and safety.The evaluation index system of core competitiveness of small and medium-sized commercial banks is constructed by liquidity and sustainable development indicators, and 19 small and medium-sized commercial banks, such as Bank of Beijing, Nanjing Bank, Hangzhou Bank, etc., are selected for empirical analysis.Firstly, the weight of each index is determined by AHP combined with the result of expert scoring. Secondly, the evaluation model of core competitiveness of small and medium-sized commercial banks is constructed by quantitative analysis of each index.This paper evaluates the core competence of 19 small and medium-sized commercial banks, and clarifies the development level of their core competence.Through the research, the following conclusions are obtained.First, the number of small and medium-sized commercial banks and the scale of the banks have been significantly increased. Strategic investors have been effectively introduced, cross-regional operations have become increasingly prominent, and regional banks have been jointly reorganized to seek listing development with the aid of the capital market.However, there are still some problems such as insufficient competition ability and unreasonable organization system.Second, the capital status, asset quality and liquidity of the small and medium-sized commercial banks in China have met the requirements of the basic core competitiveness, but there is still a big gap from the excellent level;The gap of core competence of small and medium-sized commercial banks between regions is gradually narrowing, but the central and western regions are still relatively backward; small and medium-sized commercial banks are still competing with state-owned banks and joint-stock commercial banks in the same quality.Third, the Bank of Beijing, the Bank of Nanjing and the Bank of Hangzhou ranked the top three in terms of core competence, with outstanding performance and strong core competitiveness; Ningxia Bank, Hankou Bank,Inner Mongolia Bank and Fudian Bank are at the bottom of the list, so it is difficult to compete with other small and medium-sized commercial banks.Fourth, it puts forward the effective measures to enhance the core competitiveness of small and medium-sized commercial banks, including improving the profit scale of the banks, improving the security through effective risk management mechanism, and improving the liquidity of the assets of the commercial banks.Clear market position to maintain sustainable development and so on.
【学位授予单位】：西安科技大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.33

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