我国上市商业银行竞争力实证研究

发布时间：2018-04-25 19:33

本文选题：银行竞争力 + 评价指标体系　；参考：《苏州大学》2014年硕士论文

【摘要】：金融业向来是国民经济快速健康发展的支柱，而就我国目前的金融业来说，商业银行则是最主要的组成部分。随着互联网金融市场日益繁荣，“金融脱媒”现象日益严峻，金融市场需求和市场结构呈现多样化和个性化。再加之金融市场的全面开放和经济全球化进程的加快，我国商业银行不仅面临着国内各方面的竞争，更要面对来自国际方面的挑战。因此，认清现如今的发展现状，对我国商业银行竞争力的进行客观全面的分析，并相应地制定有效的策略，将具有很大的理论价值和实际意义。上市商业银行是我国商业银行的佼佼者，，市场占有率超过65%，因此，分析我国上市商业银行竞争力对于整个商业银行竞争力提升具有着重大的意义。本文首先分析了我国商业银行的发展历程；其次，从企业的角度探讨了商业银行竞争力的内涵和本文研究的理论基础；然后，建立了评价指标体系，进行了数据的选取，并在此基础上，对我国16家上市商业银行的相应指标采用因子分析统计法进行了分析，构造了因子得分计算公式，对我国上市商业银行的综合竞争力进行了评分；最后，根据实证分析的结果，结合我国商业银行的发展情况，提出一些相应的建议。
[Abstract]:The financial industry has always been the pillar of the rapid and healthy development of the national economy, and the commercial bank is the most important part of the financial industry in our country. With the increasing prosperity of Internet financial market, the phenomenon of "financial disintermediation" is becoming more and more serious, and the demand and structure of financial market are diversified and individualized. In addition, with the overall opening of financial market and the acceleration of economic globalization, Chinese commercial banks are not only facing competition in all aspects of the country, but also facing the challenges from international aspects. Therefore, it is of great theoretical value and practical significance to recognize the present development situation, to analyze the competitiveness of commercial banks objectively and comprehensively, and to formulate effective strategies accordingly. The listed commercial banks are the outstanding commercial banks in our country, and the market share is more than 65%. Therefore, it is of great significance to analyze the competitiveness of the listed commercial banks in China for the promotion of the competitiveness of the whole commercial banks. This paper first analyzes the development course of commercial banks in China; secondly, discusses the connotation of competitiveness of commercial banks and the theoretical basis of this paper from the perspective of enterprises; then, establishes the evaluation index system, and selects the data. On this basis, the corresponding indexes of 16 listed commercial banks in China are analyzed by factor analysis statistical method, the factor score formula is constructed, and the comprehensive competitiveness of China's listed commercial banks is evaluated. According to the results of empirical analysis, combined with the development of commercial banks in China, some corresponding suggestions are put forward.
【学位授予单位】：苏州大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33

【参考文献】