中国三大国有商业银行竞争力比较研究

发布时间：2018-08-17 15:28

【摘要】：银行业竞争力是银行综合能力的体现。在经济全球化和金融一体化加速发展的今天,中国要想成为经济强国和金融强国,需要迅速提高中国商业银行的竞争力。因此,客观比较和评价中国上市银行的竞争力,并切实提高其竞争力,对于维护金融业的健康发展具有重要意义。本文以商业银行竞争力理论为基础,从剖析商业银行竞争力的内涵入手,比较分析了商业银行竞争力评价的有关方法,初步构建出一套能够适合我国国有股份制商业银行的竞争力评价指标体系。在此基础上,以三大国有上市股份制商业银行为主体进行实证分析,并将我国三大国有上市股份制商业银行及美国商业银行进行了比较分析,总结分析了我国三大国有上市股份制商业银行与未上市前国有股份制商业银行的优劣势指标。最后,对当前我国国有上市股份制商业银行的不足之处进行了进一步的分析,并提出了相关的对策建议。
[Abstract]:The competitiveness of the banking industry is the embodiment of the comprehensive ability of the banks. With the rapid development of economic globalization and financial integration, if China wants to become an economic and financial power, it is necessary to rapidly improve the competitiveness of Chinese commercial banks. Therefore, it is of great significance to objectively compare and evaluate the competitiveness of Chinese listed banks and improve their competitiveness in order to maintain the healthy development of the financial industry. Based on the theory of competitiveness of commercial banks, this paper begins with the analysis of the connotation of competitiveness of commercial banks, and compares and analyzes the relevant methods of evaluating the competitiveness of commercial banks. A set of competitive evaluation index system suitable for state-owned joint-stock commercial banks has been constructed preliminarily. On this basis, taking the three state-owned listed joint-stock commercial banks as the main body of empirical analysis, and comparing the three state-owned listed joint-stock commercial banks with the American commercial banks, The advantages and disadvantages of the three state-owned listed commercial banks and the unlisted state-owned joint-stock commercial banks are summarized and analyzed. At last, the deficiency of the state-owned listed commercial banks is further analyzed, and the relevant countermeasures and suggestions are put forward.
【学位授予单位】：浙江大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.33

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