基于组合分析法的我国上市商业银行竞争力研究

发布时间：2018-01-03 21:39

本文关键词：基于组合分析法的我国上市商业银行竞争力研究　出处：《贵州财经大学》2014年硕士论文　论文类型：学位论文

【摘要】：我国金融业不断加大结构调整力度，在战略调整与产品创新中稳步发展，实现效益与规模、质量与速度的同步增长，综合竞争力进一步提高。对银行业而言，一方面，我国经济社会发展的基本面长期趋好，为银行业持续健康发展创造了有利条件；另一方面，在外部冲击和内部转型的压力下，银行业面临的风险日趋复杂，风险管控的挑战日益加大。金融业是经济的核心，商业银行是金融体系的主体。银行高效的运作体系既可以优化资源配置、促进经济增长方式的转变、助力于产业结构的升级，又可实现经济的可持续发展。上市商业银行是银行业充满活力的一部分，商业银行竞争力的提高对我国经济的发展起着举足轻重的作用。在理论和实践的基础上，建立对上市商业银行竞争力科学合理的评价体系，对商业银行竞争力进行评价，简化银行竞争力分析涉及的复杂关系，建立科学的商业银行竞争力评价指标体系，不但扩充了我国对银行竞争力的研究成果，而且还完善了我国商业银行的评价机制。可以引导我国商业银行抓住机遇、制订符合自身条件的市场定位、用更好的产品和更强的服务来应对金融市场的挑战。对我国未上市和准备上市的商业银行具有有一定的指导意义。本文通过对商业银行竞争力相关领域的研究现状和相关概念进行综述和界定，建立我国上市商业银行竞争力的指标评价体系。基于我国16家境内上市商业银行的数据进行实证分析。因主观赋权的评价方法会因人为因素造成偏差，而客观赋权的评价方法又会忽略指标本身的重要程度，故本文采取组合评价方法将两类方法结合起来，可以相互弥补缺陷，全面地对银行竞争力作出评价。全文主要分为六个部分，包括以下内容：第一部分为引言。介绍了选题的背景与意义，本文的研究内容、方法和本文的创新点与不足。第二部分为本文的理论综述。首先对企业竞争力的概念和企业竞争力的研究现状进行综述；在企业竞争力的研究基础上，对商业银行竞争力的概念和相关文献进行研究分析；最后是对商业银行竞争力的影响因素进行分析。第三部分为本文的研究准备部分。在分析建立商业银行竞争力指标评价体系的原则的基础上、在前人的研究成果基础上，建立了商业银行竞争力评价指标体系，并对评价指标做具体解释。第四部分为本文的核心部分。这部分是对我国上市商业银行竞争力的实证分析。先对竞争力的主要评价方法进行比较分析，全面了解各评价方法的优劣势；其次对样本选取的数据进行规范化处理；然后分别用层次分析法、灰色关联分析法、主成分分析法和因子分析法对我国上市银行进行实证研究。第五部分是对上一部分的总结概括。介绍了组合评价方法的基本概念，并用组合评价方法将第四部分的实证结果进行组合研究，最后得出评价结果。第六部分是本文的结论部分。对之前的研究进行总结，并提出提升我国商业银行竞争力的对策建议。本文突破以往用单一评价方法进行实证研究的局限，综合考虑主观赋权和客观赋权评价方法的优劣性，采用组合评价方法对银行竞争力进行全面科学的评价，以期能得到更客观更真实的结论。本文也存在许多不足。一方面，指标的选取还可以更贴近银行的实际情况。由于数据的获取途径及本人能力有限，在评价指标的设置上不够全面。另外，像管理层的素质、银行的经营理念等对商业银行的竞争力会产生影响的指标，由于无法进行定量分析，也不得不弃用。由于笔者知识有限，，文中难免出现错误和疏漏之处，恳请各位考试学者不吝赐教。在此，笔者表示衷心的感谢！
[Abstract]:China's financial industry continue to intensify structural adjustment, steady development in the strategic adjustment and product innovation, and realize the benefit of scale, quality and speed of synchronous growth, further improve the comprehensive competitiveness. For the banks, on the one hand, the fundamentals of China's economic and social development of the long-term increase, the banking industry continued healthy development created favorable conditions; on the other hand, in the impact of external and internal transformation under pressure, the risks faced by the banking sector risk management is becoming more and more complex, more and more challenges.
The financial industry is the core of economy, commercial banks are the main body of the financial system. The bank and efficient operation of the system can not only optimize the allocation of resources, promote the transformation of economic growth mode, to boost the upgrading of the industrial structure and the sustainable development of economy can be realized. The listed commercial bank is a part of the silver industry full of vitality and competitiveness of commercial banks to improve the development of China's economy plays a very important role. On the basis of theory and practice, the establishment of the listed commercial banks competitiveness evaluation system of scientific and reasonable evaluation of the competitiveness of commercial banks, to simplify the analysis of the complicated relationship of bank competitiveness, the establishment of commercial banks competitiveness evaluation index system of science, not only expands in China Research on bank competitiveness, but also improve the evaluation mechanism of China's commercial bank. Can guide the Commercial Bank of our country to seize the opportunity for To set up a market positioning that accords with its own conditions, to deal with the challenges of financial market with better products and stronger services, and to have some guiding significance for China's Unlisted and ready to be listed commercial banks.
This paper reviewed the definition and research status of the competitiveness of commercial banks in related fields and related concepts, establish the evaluation index system of the competitiveness of listed commercial banks. The empirical analysis of China's 16 domestic listed commercial banks based on the data. Because of the subjective evaluation method will be caused by human factors and objective evaluation method of deviation. The weight will ignore the important degree of the index itself, so this paper adopt the combination evaluation method of two kinds of methods can be combined with each other to make up for deficiencies, comprehensively evaluate the competitiveness of the bank.
The full text is divided into six parts, including the following:
The first part is the introduction. It introduces the background and significance of the topic, the content, the method, the innovation and the deficiency of this article.
The second part is the theoretical review of this article. Firstly, reviewed the research status and the concept of enterprise competitiveness and the competitiveness of enterprises; on the basis of research on the competitiveness of enterprises, research and analysis of the concept of the competitiveness of commercial banks and related documents; finally the influence factors of commercial bank competitiveness were analyzed.
The third part is the preparation part of this paper. Based on the analysis of the principles of establishing the evaluation index system of competitiveness index of commercial banks, based on the previous research results, the evaluation index system of competitiveness of commercial banks is established, and the evaluation index is explained concretely.
The fourth part is the core part of this paper. This part is the empirical analysis of the competitiveness of listed commercial banks. First, the main evaluation of the competitiveness of the methods of comparative analysis, a comprehensive understanding of the advantages and disadvantages of each evaluation method; secondly, normalizing the selected sample data; then use the analytic hierarchy process, grey correlation analysis method, principal component analysis and factor analysis of China's listed banks by empirical research.
The fifth part is the summary of the previous part. It introduces the basic concepts of the combined evaluation method, and combines the fourth part empirical results with the combination evaluation method, and finally obtains the evaluation results.
The sixth part is the conclusion of this article. It summarizes the previous research and puts forward the countermeasures and suggestions to improve the competitiveness of China's commercial banks.
This paper breaks through the limitations of previous single empirical research. Considering the advantages and disadvantages of subjective weighting and objective weighting evaluation method, a comprehensive and scientific evaluation of bank competitiveness is made by combinatorial evaluation method, in order to get more objective and more realistic conclusions.
In this paper, there are also many deficiencies. On the one hand, the selection of indicators can also be closer to the actual situation of the bank. Because of access to data and my limited ability, the evaluation indexes setting is not comprehensive enough. In addition, as the quality of management, the competitiveness of the bank management idea of commercial bank will affect the index due to the lack of quantitative analysis, and also to be used. Because of the limited knowledge, there might be mistakes and errors, please. Here the author exam scholar generous with your criticism to express my heartfelt thanks!

【学位授予单位】：贵州财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33

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