江浙沪城市商业银行竞争力及其影响因素分析

发布时间：2018-07-07 07:02

本文选题：城市商业银行 + 银行竞争力　；参考：《经济地理》2013年07期

【摘要】：城市商业银行在促进地方经济发展和中小企业融资方面起着无可替代的重要作用。运用相关指标体系对江浙沪地区8家具有代表性的城市商业银行竞争力进行了比较分析,结果表明浙江城市商业银行竞争力领先,上海银行相对落后。但是2008年金融危机后,浙江多家城市商业银行出现了不良贷款率上升、拨备覆盖率下降的情况。影响江浙沪城市商业银行竞争力的主要因素是经济金融环境、政府干预行为、银行定位和发展战略。地方政府应逐步减少对城市商业银行的持股比例和行政干预,以扩大城市商业银行经营自主性和灵活性,提高经营效率。江浙沪城市商业银行应实施协同发展和错位发展战略,以提高整体竞争力并各自走出特色化发展之道路。
[Abstract]:City commercial banks play an irreplaceable role in promoting the development of local economy and financing of small and medium enterprises. This paper makes a comparative analysis on the competitiveness of 8 representative city commercial banks in Jiangsu, Zhejiang and Shanghai by using the relevant index system. The results show that Zhejiang city commercial banks are in the leading position and Shanghai banks are relatively backward. However, after the financial crisis in 2008, many commercial banks in Zhejiang Province experienced a rise in non-performing loan ratio and a decline in reserve coverage. The main factors influencing the competitiveness of Jiangsu, Zhejiang and Shanghai city commercial banks are economic and financial environment, government intervention, bank orientation and development strategy. Local governments should gradually reduce the proportion of urban commercial banks holding shares and administrative intervention in order to expand the autonomy and flexibility of urban commercial banks and improve the operational efficiency. The city commercial bank of Jiangsu, Zhejiang and Shanghai should carry out the strategy of coordinated development and dislocation development in order to improve the overall competitiveness and walk out the road of characteristic development.
【作者单位】：浙江工业大学经贸管理学院;
【分类号】：F832.33

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