中国城市商业银行竞争力研究

发布时间：2018-05-19 11:26

本文选题：城市商业银行 + 竞争力　；参考：《上海社会科学院》2008年硕士论文

【摘要】： 经过十余年时间的发展,城市商业银行取得了很大的成绩,已成为我国银行体系的一个重要组成部分。但是我们也要看到,中国银行业外部经营环境发生了剧烈的变化,国内银行业竞争日趋激烈,外资银行大举入境也迫在眉睫,业内对于城市商业银行的市场竞争力和可持续发展产生了不少质疑和争论。在这样的大背景下,探讨城市商业银行市场竞争力意义重大。本文在对商业银行竞争力理论进行综述的基础上,尝试着运用综合分析的方法,对城市商业银行和股份制商业银行的竞争力进行了全面的比较,并在此基础上建设性地提出提升其市场竞争力的相关对策。本文首先以企业竞争力的一般理论为依据,阐述了企业竞争力的基本概念和特征,明确了商业银行竞争力的特殊性,探索性地界定了其内涵,并对银行竞争力分析方法进行了回顾和简要点评,为下文的实证分析提供了理论支持。然后,在借鉴国内外权威机构和学者已有研究成果的基础上,设计了一套具有较好实际操作性和科学性的银行竞争力评价指标体系。在实证分析部分,本文以我国3家上市城市商业银行和3家上市股份制商业银行为研究对象,构建了银行竞争力比较的框架,分为三个层次进行评估,即现实银行竞争力、潜在银行竞争力和竞争环境,在明确了评估体系后,紧接着就是从以上三个方面对我国城市商业银行和股份制商业银行进行比较;采用因子分析法计算出各个银行的得分,并利用因子综合评分的结果对各个银行的竞争力进行了排序,详细剖析了城市商业银行的竞争力状况。实证分析结果表明:城市商业银行竞争力的综合排名普遍低于股份制商业银行。最后,本文根据实证研究的评估结果,结合城市商业银行的实际情况,在借鉴股份制商业银行成功经验的基础上,有针对性地提出了一系列措施与策略,为进一步增强城市商业银行竞争力并保持其持续健康发展奠定了一定基础。
[Abstract]:After more than ten years' development, city commercial banks have made great achievements and become an important part of our country's banking system. However, we also need to see that the external operating environment of China's banking industry has undergone drastic changes, domestic banking competition is becoming increasingly fierce, and it is urgent for foreign banks to enter the country on a large scale. The market competitiveness and sustainable development of city commercial banks have been questioned and debated. Under this background, it is of great significance to explore the market competitiveness of urban commercial banks. On the basis of summarizing the competitiveness theory of commercial banks, this paper tries to make a comprehensive comparison between the competitiveness of urban commercial banks and joint-stock commercial banks by using the method of comprehensive analysis. On the basis of this, constructive countermeasures are put forward to improve its market competitiveness. Based on the general theory of enterprise competitiveness, this paper expounds the basic concepts and characteristics of enterprise competitiveness, clarifies the particularity of the competitiveness of commercial banks, and explores its connotation. It also reviews and comments on the methods of bank competitiveness analysis, which provides theoretical support for the empirical analysis below. Then, based on the research results of domestic and foreign authoritative institutions and scholars, a set of practical and scientific evaluation index system of bank competitiveness is designed. In the part of empirical analysis, this paper takes three commercial banks of listed cities and three listed joint-stock commercial banks as research objects, and constructs a comparative framework of bank competitiveness, which is divided into three levels to evaluate the competitiveness of real banks. After defining the evaluation system, the competitiveness and competitive environment of potential banks are compared between urban commercial banks and joint-stock commercial banks from the above three aspects, and the scores of each bank are calculated by factor analysis. The competitive ability of each bank is sorted by the result of factor comprehensive score, and the competitive power of city commercial bank is analyzed in detail. The empirical results show that the comprehensive ranking of the competitiveness of urban commercial banks is generally lower than that of joint-stock commercial banks. Finally, according to the evaluation results of the empirical research, combined with the actual situation of the city commercial banks, on the basis of the successful experience of the joint-stock commercial banks, this paper puts forward a series of measures and strategies. It lays a foundation for further strengthening the competitiveness of urban commercial banks and maintaining their sustainable and healthy development.
【学位授予单位】：上海社会科学院
【学位级别】：硕士
【学位授予年份】：2008
【分类号】：F832.2

【引证文献】