我国沿海城市商业银行竞争力评价分析

发布时间：2018-04-15 14:55

本文选题：城市商业银行 + 竞争力评价　；参考：《中国海洋大学》2012年硕士论文

【摘要】：最近几年，我国中小企业和私有经济如雨后春笋般迅猛发展，这与我国城市商业银行提供的融资平台是密不可分的。城市商业银行是我国在20世纪90年代改革开放进程中为化解城市信用社风险而问世的，是现有银行业体系中非常重要的一支力量，是我国发展市场经济的一项合理的制度安排。城市商业银行起源于我国非公有制经济的发展，并在促进地区经济的发展、深化金融体制改革、维护社会稳定等方面日显其重要性。伴随着我国金融体制改革步伐的加快以及经济的进一步全球化，城市商业银行的国内生存发展环境正在发生深刻的变化：四大国有商业银行上市、股份制商业银行扩张，邮政储蓄银行和农村信用社进一步改革。此外，城市商业银行还要迎接国际强手的各种挑战。面对这样激烈的竞争局势，我国城市商业银行的唯一出路就是提升自身的竞争能力。而事实上，城市商业银行与我国现有的其他形式的银行相比，具有区域性和面向中小企业的局限，并且在政府的政策支持上、自身的资产规模以及科技能力等很多方面都表现出各种劣势。因此，在竞争日益激烈、各种挑战充斥的我国银行业中，城市商业银行作为这样一个特殊的主体要谋求更大的发展必须以更快的速度提升自身的竞争能力。本文首先研究了竞争力的相关理论，以及银行竞争力的形成机制和影响因素，并参照企业竞争力的涵义，结合我国城市商业银行自身的区域特点对城市商业银行的竞争力作出界定。在此基础上，构建了我国城市商业银行竞争力的评价指标体系。同时，，根据我国城市商业银行的发展现状，抽取了具有代表性的17家沿海及附近地区的城市商业银行，并根据数据的特点分别选择了因子分析法来分析显性竞争力，选择层次分析法来对隐性竞争力进行实证分析。通过实证得到各银行这两方面竞争力的得分并予以排名。通过实证研究发现：竞争力表现较好的城市商业银行有着共同的特点：市场定位明确；员工的文化水平较高，创新能力强，能灵活的根据市场需求开发具有竞争优势的金融产品；公司本身的较为先进的治理结构以及相对较强的风险控制能力。此外，从得分较低的城市商业银行的表现来看，不明确的市场定位、过于集中的股权、不合理的公司治理结构和较低的员工素质等因素都是制约其进一步发展的瓶颈。最后，本文提出了提升我国城市商业银行提高竞争力的对策：明确市场定位，提供专业化服务，加强人才建设与金融创新，完善公司治理结构并提高风险管理和营运能力。
[Abstract]:In recent years, small and medium-sized enterprises and private economy in China have been developing rapidly, which is closely related to the financing platform provided by the city commercial banks.The city commercial bank came out in the process of reforming and opening up in the 1990s in order to resolve the risk of the city credit cooperative. It is a very important force in the present banking system and a reasonable institutional arrangement for the development of the market economy in our country.Urban commercial banks originated from the development of non-public ownership economy of our country, and they are more and more important in promoting the development of regional economy, deepening the reform of financial system, maintaining social stability and so on.With the acceleration of the reform of our financial system and the further globalization of the economy, the domestic living and development environment of the urban commercial banks is undergoing profound changes: the listing of the four major state-owned commercial banks, the expansion of the joint-stock commercial banks,Postal savings Bank and Rural Credit Cooperatives were further reformed.In addition, city commercial banks have to meet the challenges of international power.In the face of such a fierce competition situation, the only way out for our city commercial banks is to enhance their own competitiveness.In fact, compared with other forms of banks in China, urban commercial banks have regional and SME oriented limitations, and in terms of government policy support,Its own asset size and scientific and technological capabilities and many other aspects have shown a variety of weaknesses.Therefore, in the increasingly fierce competition and various challenges of China's banking industry, urban commercial banks, as such a special subject to seek greater development, must improve their competitiveness at a faster speed.This paper first studies the relevant theories of competitiveness, the formation mechanism and influencing factors of bank competitiveness, and refers to the meaning of enterprise competitiveness.Combined with the regional characteristics of the city commercial banks in China, the competitiveness of the city commercial banks is defined.On this basis, the evaluation index system of the competitiveness of urban commercial banks in China is constructed.At the same time, according to the development of urban commercial banks in China, 17 representative urban commercial banks in coastal and nearby areas are selected, and factor analysis method is selected to analyze the dominant competitiveness according to the characteristics of the data.Choose the analytic hierarchy process to carry on the demonstration analysis to the recessive competition ability.Through empirical analysis, we get the score and rank of each bank in these two aspects of competitiveness.Through empirical research, it is found that city commercial banks with good competitive performance have common characteristics: clear market positioning, high level of staff culture, strong innovation ability.Can flexibly develop the financial products with competitive advantage according to the market demand; the company itself has the more advanced governance structure and the relatively strong risk control ability.In addition, in terms of the performance of urban commercial banks with low scores, such factors as unclear market positioning, excessive concentration of equity, unreasonable corporate governance structure and low employee quality are the bottlenecks to its further development.Finally, this paper puts forward the countermeasures to enhance the competitiveness of our country's urban commercial banks: defining the market position, providing specialized services, strengthening the talent construction and financial innovation, perfecting the corporate governance structure and improving the risk management and operation ability.
【学位授予单位】：中国海洋大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.33;F224

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