我国商业银行财务竞争力研究

发布时间：2018-03-16 03:09

本文选题：商业银行　切入点：财务竞争力　出处：《石家庄铁道大学》2017年硕士论文　论文类型：学位论文

【摘要】：近年来,我国商业银行之间的竞争越来越激烈,在商业银行的竞争因素中,财务竞争力是商业银行竞争力中最具决定性的因素,商业银行财务竞争力在商业银行竞争力中占主导地位,它对商业银行竞争力的提高具有重要的现实意义。因此,在激烈的竞争环境中,商业银行如何提高财务竞争力,是我国商业银行亟待解决的重大问题。本文对商业银行财务竞争力展开研究,共包括六部分内容,第一部分是绪论,从研究背景开始,重点阐述了国内外研究现状、研究内容和方法。第二部分是商业银行财务竞争力的相关理论,界定了商业银行财务竞争力的概念,并对其特征、构成要素及之间的关系进行阐述。第三部分是商业银行财务竞争力评价指标体系构建及方法选择,本文构建的评价指标体系包括银行规模、营运能力、资产质量、创新能力、盈利能力、资本充足以及风险管理七个方面的18个指标,选择因子分析法和聚类分析法对我国商业银行财务竞争力进行研究。第四部分是商业银行财务竞争力实证研究,为本文的核心部分,选取我国96家商业银行2013-2015年的财务数据,借助SPSS20.0和EXCEL2010软件,运用描述性统计分析、因子分析法以及聚类分析法对我国商业银行财务竞争力进行定性与定量分析,描述性统计分析得出商业银行财务竞争力的发展趋势,因子分析法得出商业银行财务竞争力主要影响因子和综合得分及排名,聚类分析法分离出四类商业银行的财务竞争力水平。第五部分是实证结果分析与建议,根据因子分析法实证结果,从整体上分析了商业银行财务竞争力水平,根据聚类分析法实证结果,分析了四类商业银行财务竞争力的特点,针对存在的不足提出相对应的建议。第六部分为结论与展望。
[Abstract]:In recent years, the competition between commercial banks in China is becoming more and more fierce. Among the competitive factors of commercial banks, financial competitiveness is the most decisive factor in the competitiveness of commercial banks. The financial competitiveness of commercial banks plays a leading role in the competitiveness of commercial banks, which is of great practical significance to the improvement of the competitiveness of commercial banks. Therefore, in the fierce competitive environment, how to improve the financial competitiveness of commercial banks, This paper studies the financial competitiveness of commercial banks, including six parts, the first part is the introduction, from the background of the research, it focuses on the domestic and foreign research status. The second part is the theory of financial competitiveness of commercial banks, which defines the concept of financial competitiveness of commercial banks and its characteristics. The third part is the construction of the evaluation index system of the financial competitiveness of commercial banks and the selection of methods. The evaluation index system of this paper includes the scale of the bank, the ability of operation, the quality of assets, the ability of innovation. The 18 indexes of profitability, capital adequacy and risk management are selected to study the financial competitiveness of commercial banks in China by means of factor analysis and cluster analysis. Part 4th is an empirical study on the financial competitiveness of commercial banks. For the core of this paper, the financial data of 96 commercial banks in China from 2013 to 2015 are selected. With the help of SPSS20.0 and EXCEL2010 software, descriptive statistical analysis is used. Factor analysis and cluster analysis are used for qualitative and quantitative analysis of financial competitiveness of commercial banks in China, and descriptive statistical analysis shows the development trend of financial competitiveness of commercial banks. Factor analysis shows that the financial competitiveness of commercial banks is mainly influenced by factors, comprehensive scores and rankings, and the level of financial competitiveness of four types of commercial banks is separated by cluster analysis. Part 5th is empirical analysis and suggestions. According to the empirical results of factor analysis, this paper analyzes the level of financial competitiveness of commercial banks as a whole, and analyzes the characteristics of financial competitiveness of four kinds of commercial banks according to the empirical results of cluster analysis. In view of the shortcomings of the corresponding recommendations. 6th part for the conclusion and prospects.
【学位授予单位】：石家庄铁道大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.33;F830.42

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