基于因子分析的DZ商业银行竞争力研究

发布时间：2018-09-19 17:56

【摘要】：在金融全球化的趋势下，商业银行竞争压力进一步增强，在这种环境下，我国商业银行竞争力研究面临着如何与同行业银行和外资银行竞争的严峻问题，另外，商业银行的经营环境也的发生了巨大的变化，也改变了商业银行竞争的格局，现在商业银行日益重视竞争力的提高，但是，目前商业银行现行的竞争力评价体系仅注重对历史经营结果的反映，已经无法适应这种竞争环境形势下商业银行进行竞争力评价的需要，因此，构建一个科学合理的竞争力评价体系对于商业银行自身的发展具有现实理论和实际意义。本文就是在研究商业银行竞争力理论基础上，在环境因素层面、资源因素层面、能力因素层面分析影响商业银行竞争力的因素，并且在此基础上构建了DZ(德州)商业银行竞争力指标体系，在实证研究分析部分，本文以中国银行、中国建设银行、中国工商银行、交通银行、农业银行5家国有银行，招商银行、兴业银行、华夏银行、光大银行、民生银行5股份制商业银行，齐鲁银行、德州商业银行2家城市商业银行为分析对象，先后通过DZ(德州)地区商业银行间排名详细分析了DZ(德州)地区商业银行的竞争力状况，，并分析了DZ(德州)地区商业银行最薄弱的制约因素以及国有商业银行、股份制商业银行、城市商业银行竞争力存在的差距，在实证研究结论的引申下，总结增强DZ(德州)地区商业银行竞争力的对策和建议。
[Abstract]:Under the trend of financial globalization, the competitive pressure of commercial banks is further strengthened. In this environment, the research on the competitiveness of commercial banks in China is faced with the severe problem of how to compete with the same industry banks and foreign banks. The operating environment of commercial banks has also undergone tremendous changes, and has also changed the pattern of competition of commercial banks. Now commercial banks pay more and more attention to the improvement of competitiveness, but, At present, the current competitiveness evaluation system of commercial banks only pays attention to the reflection of historical operating results, and can not meet the needs of commercial banks' competitiveness evaluation under this competitive environment. It is of practical theoretical and practical significance to construct a scientific and reasonable competitiveness evaluation system for the development of commercial banks themselves. On the basis of the theory of commercial bank competitiveness, this paper analyzes the factors that affect the competitiveness of commercial banks at the environmental factor level, the resource factor level and the ability factor level. On the basis of this, the paper constructs the competitiveness index system of DZ (Texas) commercial bank. In the part of empirical analysis, this paper uses 5 state-owned banks, such as Bank of China, China Construction Bank, Industrial and Commercial Bank of China, Bank of Communications, Agricultural Bank, etc. China Merchants Bank, Industrial Bank, Huaxia Bank, Everbright Bank, Minsheng Bank, five joint-stock commercial banks, Qilu Bank, Texas Commercial Bank, two city commercial banks, Through the DZ (Texas) regional commercial bank ranking, this paper analyzes the competitiveness of the DZ (Texas) regional commercial banks in detail, and analyzes the weakest restrictive factors of the DZ regional commercial banks and state-owned commercial banks. The gap between the competitiveness of joint-stock commercial banks and that of urban commercial banks. Based on the conclusion of empirical research, this paper summarizes the countermeasures and suggestions for enhancing the competitiveness of commercial banks in DZ (Texas) region.
【学位授予单位】：华中科技大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.33;F224

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