基于灰色关联的我国上市商业银行竞争力评价研究

发布时间：2018-01-17 12:57

  本文关键词：基于灰色关联的我国上市商业银行竞争力评价研究　出处：《西安科技大学》2014年硕士论文　论文类型：学位论文

  更多相关文章： 商业银行 竞争力 灰色关联 层次分析法

【摘要】：随着中国加入WTO，，中国金融逐步与世界接轨，外资银行也不断进入我国。同时，我国银行业面临着互联网金融冲击，利率市场化改革等复杂多变的国内金融形势，这些都对我国商业银行竞争力的提升产生了重要影响。在这种背景下，商业银行如何提高自身经营管理能力，以求在激烈的竞争中保持不败，是必须认真思考的问题。而客观、全面地对商业银行竞争力进行评价，使其明确自身在行业中所处的地位、不足和改进的方向，是商业银行提高经营管理能力、增强竞争优势的前提和重要环节。所以，对商业银行竞争力进行研究具有重要的意义。 本文首先介绍了竞争力及银行竞争力的相关概念及理论。其次，结合银行发展情况，构建了包括盈利能力、风险控制能力、发展能力、市场占有能力、公司治理能力以及创新能力的商业银行竞争力评价指标体系。在实证研究方面，首先采用层次分析法确定指标权重，考虑到银行竞争力及其相关因素是一个灰色系统，本文采用灰色关联分析法建立灰色综合评价模型，利用20082012年的面板数据，对我国上市商业银行竞争力进行排序。随后，从静态角度对2012年的实证研究结果进行详细分析，再利用20082012年的数据，从动态角度分析了上市商业银行在这五年内竞争力的变动趋势及其内在原因，从而进一步了解我国商业银行的竞争力情况。 实证研究的结论和前人的有关研究相似，符合实际情况。结果表明：国有银行中建设银行和工商银行的综合竞争力较强，农业银行最弱；股份制银行中的招商银行和民生银行综合竞争力较强，华夏银行较弱；城市商业银行中的宁波银行综合竞争力较强。2012年，兴业银行综合竞争力最强，平安银行最弱。从整体来看，我国上市商业银行整体发展较好，但仍存在资本充足率低、资产质量低、创新能力不足以及公司治理结构不够完善等问题。据此，本文针对这些问题提出了提升我国商业银行竞争力的对策和建议。
[Abstract]:With China's entry into the WTO, Chinese finance is gradually in line with the world, and foreign banks are constantly entering our country. At the same time, China's banking industry is facing the impact of Internet finance. The complex and changeable domestic financial situation such as interest rate market-oriented reform has had an important impact on the competitiveness of Chinese commercial banks. Under this background, commercial banks how to improve their management ability. In order to maintain undefeated in the fierce competition, it is necessary to seriously consider the issue. And objectively and comprehensively to evaluate the competitiveness of commercial banks, so as to make clear their position in the industry, deficiencies and direction of improvement. It is the premise and important link for commercial banks to improve their management ability and enhance their competitive advantage. Therefore, it is of great significance to study the competitiveness of commercial banks. This paper first introduces the relevant concepts and theories of competitiveness and competitiveness of banks. Secondly, combined with the development of banks, it constructs the ability of profitability, risk control, development and market possession. Corporate governance ability and innovation ability of commercial banks competitiveness evaluation index system. In the empirical study, the first use of AHP to determine the index weight. Considering that the competitiveness of banks and its related factors is a grey system, the grey relational analysis method is used to establish the grey comprehensive evaluation model, and the panel data from 2008 to 2012 are used. The competitiveness of listed commercial banks in China is ranked. Then, from the static point of view, the empirical research results of 2012 are analyzed in detail, and then the data from 2008 to 2012 are used. This paper analyzes the changing trend of the competitiveness of listed commercial banks in the past five years and its internal reasons from the dynamic point of view, so as to further understand the competitiveness of commercial banks in China. The conclusions of the empirical study are similar to those of previous studies and accord with the actual situation. The results show that the comprehensive competitiveness of China Construction Bank and Industrial and Commercial Bank of China is stronger than that of Agricultural Bank; China Merchants Bank (CMB) and Minsheng Bank (Minsheng Bank) have stronger comprehensive competitiveness than Huaxia Bank (Huaxia Bank). In 2012, Societe Generale Bank had the strongest comprehensive competitiveness and Ping an Bank was the weakest. From the overall point of view, the overall development of listed commercial banks in China is better. However, there are still some problems, such as low capital adequacy ratio, low asset quality, insufficient innovation ability and imperfect corporate governance structure. In view of these problems, this paper puts forward countermeasures and suggestions to enhance the competitiveness of commercial banks in China.
【学位授予单位】：西安科技大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33

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本文编号：1436317