互联网金融背景下我国商业银行的竞争力研究

发布时间：2018-01-20 02:55

本文关键词： 互联网金融商业银行竞争力企业基因竞争情报　出处：《南京大学》2014年硕士论文　论文类型：学位论文

【摘要】：我国商业银行在发展的历程中,遇到了诸多不同的机遇与挑战。近年来,随着金融改革的不断深化以及互联网技术的不断升级,互联网金融走入人们视野并迅速崛起,取得了巨大的发展,对商业银行造成了不容忽视的冲击。我国商业银行不仪面对着行业内部的竞争,也面临着越来越激烈的跨行业竞争。本文正是以互联网金融的兴起为背景,对我国商业银行竞争力这一主题展开研究。在理论方面,本文结合竞争情报的思想,关注了互联网金融这一背景对银行竞争力的影响,并将企业基因理论应用于跨行业竞争的考察,为商业银行竞争力研究提供了新的视角；在实践方面,本文构建了新的银行竞争指标体系,对商业银行竞争力的评价与提升,具有参考意义。在文章的在理论基础与文献综述部分,首先按照时间线索对企业竞争力理论的发展进行了回顾,然后,以此为基础,对商业银行竞争力的概念进行了界定。同时,对商业银行竞争力评价指标和评价方法进行了总结分析。此外,还引入企业基因理论,并对其进行了理论延伸,为银行跨行业复制企业基因,从而提升自身竞争力提供依据,同时也为银行评价指标体系的构建奠定了基础。本文分析了互联网金融的概念以及发展,并对互联网金融的主流模式进行了归纳。在此基础上,运用企业基因理论对互联网金融的企业基因进行分析,阐述了互联网金融基因对我国商业银行竞争力的影响。我国商业银行在互联网金融背景下的竞争力评价,是本文的核心工作。本文着眼于互联网金融的影响,构建了商业银行竞争力的评价指标体系。选取的指标分为两个大类,一类是体现银行“三性”的竞争力指标,另一类是体现银行互联网金融基因的竞争力指标。前者又被细分为三类,分别是银行的盈利能力、安全性能力和流动性能力；后者被细分为四类,分别是创新性竞争力、规模性竞争力、成长性竞争力、产品与服务竞争力。在商业银行的具体评价过程中,本文采用了因子分析方法,对10家银行2012年和2013年两个年度的数据进行了实例分析。根据分析的结果,本文总结出银行规模与市场表现、安全防范效率、现实及潜在盈利能力、发展能力等四个主要因子,并分别针对这些因子,对样本银行进行了具体的分析。最后,本文综合考了因子分析的结果,以及同业竞争与跨界竞争的现状,提出了几点关于提升我国商业银行竞争力的建议。银行除了在追求规模效益、提升安全防范效率、创新产品与服务、拓展中间业务方面应付出努力之外,还应重视竞争情报建设,从而构建并保持自身的竞争优势。
[Abstract]:In the course of development, Chinese commercial banks have met many different opportunities and challenges. In recent years, with the deepening of financial reform and the continuous upgrading of Internet technology. Internet finance has entered people's field of vision and has been rising rapidly. It has made great progress and has caused a great impact on commercial banks. China's commercial banks are facing the competition within the industry. Also facing more and more fierce cross-industry competition. This paper is based on the rise of Internet finance as the background, the competitiveness of commercial banks in China is the theme of research. In theory, this paper combines the idea of competitive intelligence. This paper focuses on the impact of Internet finance on the competitiveness of banks, and applies the enterprise gene theory to cross-industry competition, which provides a new perspective for the research of commercial banks' competitiveness. In practice, this paper constructs a new index system of bank competition, which has reference significance for the evaluation and promotion of commercial bank competitiveness. In the theoretical basis and literature review part of the article. Firstly, the development of enterprise competitiveness theory is reviewed according to the time clue, and then, on the basis of this, the concept of commercial bank competitiveness is defined. At the same time. The evaluation index and evaluation method of commercial bank competitiveness are summarized and analyzed. In addition, the enterprise gene theory is introduced, and the theory is extended to replicate the enterprise gene across industries. In order to improve the competitiveness of their own to provide the basis, but also for the establishment of bank evaluation index system laid a foundation. This paper analyzes the concept and development of Internet finance. And the mainstream mode of Internet finance is summarized. On this basis, the enterprise gene of Internet finance is analyzed by enterprise gene theory. This paper expounds the influence of Internet finance gene on the competitiveness of Chinese commercial banks. The evaluation of the competitiveness of Chinese commercial banks under the background of Internet finance is the core work of this paper. This paper focuses on the impact of Internet finance. This paper constructs the evaluation index system of the competitiveness of commercial banks. The selected indicators are divided into two categories, one is the competitiveness index which embodies the bank's "three characteristics". The former is divided into three categories: profitability, security and liquidity. The latter is divided into four categories, namely innovative competitiveness, scale competitiveness, growth competitiveness, product and service competitiveness. In the specific evaluation process of commercial banks, this paper adopts factor analysis method. This paper analyzes the data of 10 banks in 2012 and 2013. According to the results of the analysis, this paper summarizes the scale of banks and market performance, security efficiency. Realistic and potential profitability, development ability and other four main factors, and respectively in view of these factors, the sample bank for specific analysis. Finally, this paper synthetically tested the results of factor analysis. As well as the current situation of interbank competition and cross-border competition, this paper puts forward some suggestions on how to enhance the competitiveness of commercial banks in China. Besides, banks are pursuing economies of scale, improving security and prevention efficiency, and innovating products and services. Besides developing intermediary business, we should pay more attention to the construction of competitive intelligence so as to build and maintain our own competitive advantage.
【学位授予单位】：南京大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33

【相似文献】