两岸中小商业银行财务竞争力的评价研究

发布时间：2018-01-11 10:19

本文关键词：两岸中小商业银行财务竞争力的评价研究　出处：《集美大学》2014年硕士论文　论文类型：学位论文

【摘要】：银行业是国民经济强有力的支柱之一，它既可以推动经济的发展，也会阻碍经济的发展。2008年金融危机的爆发给全球经济以重创，银行业也遭受了严重的打击。在这样的背景下，提高银行业的竞争力，尤其是财务竞争力这一企业竞争力的核心要素，使之能够在这重重压力下获得健康发展便成为大家关注的重点。近年来，，随着中小商业银行的发展，其在银行业中的地位也日益凸显，在银行业中占据着不可替代的一席之地。鉴于中小商业银行在银行体系中的重要地位，如何全面提升中小商业银行的财务竞争力，具有重要的理论研究价值和现实意义。本文立足于中小商业银行，从需求层次理论的角度，构建了中小商业银行财务竞争力的评价体系。在搜集两岸中小商业银行相关数据的基础上，运用构建的中小商业银行财务竞争力评价体系并结合因子分析方法进行数据处理，得出两岸中小商业银行财务竞争力的评价结果，即大陆商业银行的财务竞争力在总体上超越了台湾的商业银行，但是在财务风险控制、社会责任以及财务发展方面的能力还有待提高。最后，针对本文的分析结果对两岸中小商业银行的进一步发展提出建议。
[Abstract]:The banking industry is one of the most powerful pillar of the national economy, it can promote the development of economy, it will hinder the development of the economy of.2008 years, the outbreak of the financial crisis to the global economy to hit, the banking industry also suffered a serious blow. In this context, to improve the competitive power of banking, especially the core elements of financial competitiveness the competitiveness of enterprises, so as to obtain the healthy development of the pressure has become the focus of everyone's attention. In recent years, with the development of small and medium-sized commercial banks, its position in the banking industry has become increasingly prominent, occupies an irreplaceable a space for one person in the banking industry. In view of the important position in the small and medium sized commercial banks in the banking system, how to enhance the financial competitiveness of small and medium-sized commercial banks, it has important theoretical value and practical significance.
This paper is based on the small and medium-sized commercial banks, from the demand level theory, construct the financial competitiveness of small and medium sized commercial bank evaluation system. Based on collecting related data on both sides of the small and medium-sized commercial banks, the use of the evaluation system of financial competitiveness of small and medium-sized commercial banks to build the node analysis method and coupling factor for data processing, draw on both sides of the financial competitiveness of small and medium sized commercial banks the evaluation results, the financial competitiveness of mainland commercial banks beyond the Taiwan commercial banks in general, but in the financial risk control ability, social responsibility and financial development still needs to be improved. Finally, according to the analysis results of the further development of small and medium-sized commercial banks on both sides of the Strait are proposed.

【学位授予单位】：集美大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33

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