农业银行竞争力研究

发布时间：2018-04-18 02:26

本文选题：农业银行 + 竞争力　；参考：《云南财经大学》2012年硕士论文

【摘要】：在现代金融组织结构中，商业银行占据着主体位置，尤其是在中国这样一个资本市场发展较为缓慢的国家，银行业的地位显得尤为重要。随着我国银行业的全面发展，银行业市场逐渐形成国有商业银行、股份制商业银行、外资银行相互竞争的一个三足鼎立的市场格局。中国银行业正在经历日新月异的变化，身处其中的国有商业银行面临着巨大的挑战和前所未有的机遇。在巨大的竞争压力和历史遗留的不良资本包袱面前，国有商业银行选择了股份制改造路程。农业银行作为中国历史最为悠久的银行之一，面临的历史遗留包袱和不良资产等问题最为严重，股份制改造的路程与其他国有商业银行相比更为艰难。在工商银行、建设银行、中国银行相继完成股份制改造道路后，农业银行业开始向股份制改造进军。2010年是农业银行股份制改造完成的第一年，农业银行取得了巨大的成功和进步。作为国有商业银行全部完成股份制改造的里程碑，农业银行的股份制改造具有更为重要的现实意义，因此本文对农业银行竞争力的研究具有现实意义。本文根据银行作为金融企业的特殊性，借鉴企业竞争力和研究方法，对农业银行的竞争力进行研究。根据银行竞争力理论，构建一个相对完整的竞争力评价指标体系选取具有代表意义的国有商业银行和九家规模股份制银行，进行实证对比分析。在文章结构上，第一章首先介绍了本文的研究意义、创新及不足之处。第二章对竞争力相关理论进行综合阐述，并构建本文的竞争力指标体系。第三章根据第二章指标体系进行因子分析，并针对实证分析结果分析农业银行的优、劣势。第四章根据实证分析结果观察竞争力影响因素，分析导致农业银行优劣势的主要原因。第五章在前几章的基础上，对农业银行现存的主要问题提出相对应的政策建议。
[Abstract]:In the modern financial organization structure, commercial banks occupy the main position, especially in a country such as China, where the development of capital market is relatively slow, the position of the banking industry is particularly important.With the overall development of China's banking industry, the banking market has gradually formed a three-pronged market pattern in which state-owned commercial banks, joint-stock commercial banks and foreign banks compete with each other.China's banking industry is undergoing rapid changes, in which state-owned commercial banks are facing enormous challenges and unprecedented opportunities.Under the huge competition pressure and the bad capital burden left over by history, state-owned commercial banks have chosen the reform path of stock system.As one of the oldest banks in China, Agricultural Bank faces the most serious problems, such as historical burden and non-performing assets, and the reform of joint-stock system is more difficult than that of other state-owned commercial banks.After the Industrial and Commercial Bank of China, China Construction Bank and Bank of China completed the reform of the joint-stock system one after another, the agricultural banking industry began to march towards the share-holding system transformation. 2010 was the first year of the completion of the joint-stock system transformation of the Agricultural Bank of China.Agricultural Bank has made great success and progress.As the milestone of the state-owned commercial banks to complete the share-holding system transformation, the joint-stock transformation of the Agricultural Bank of China has more important practical significance, so this paper has practical significance to the study of the competitiveness of the Agricultural Bank of China.According to the particularity of bank as a financial enterprise, this paper studies the competitiveness of Agricultural Bank of China.According to the theory of bank competitiveness, a relatively complete evaluation index system of competitiveness is constructed. The representative state-owned commercial banks and nine joint-stock banks of large scale are selected for empirical comparative analysis.In the structure of the article, the first chapter introduces the significance, innovation and deficiency of this paper.In the second chapter, the relevant theories of competitiveness are expounded, and the index system of competitiveness is constructed.The third chapter carries on the factor analysis according to the second chapter index system, and analyzes the agricultural bank's superiority and the inferiority according to the empirical analysis result.Chapter four analyzes the main reasons that lead to the advantages and disadvantages of Agricultural Bank of China according to the results of empirical analysis.On the basis of the previous chapters, the fifth chapter puts forward corresponding policy recommendations to the existing problems of Agricultural Bank.
【学位授予单位】：云南财经大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.3;F224

【参考文献】