基于财务视角的盛京银行竞争力分析及改进研究

发布时间：2018-05-30 01:13

本文选题：盛京银行 + 财务视角　；参考：《沈阳工业大学》2016年硕士论文

【摘要】：伴随着中国经济的飞速增长,城市商业银行作为中国金融业的重要组成部分,既要肩负着助力中国经济持续发展的责任,又要与在全球一体化背景下逐渐融入的外资银行来进行抗衡,所面临的竞争压力也是空前的巨大。我国城市银行的竞争力优势有逐渐变弱的趋势,如何能同时兼顾经营效益与管理效率、增强银行自身竞争力,从而使其在激烈的市场竞争中提升自身的优势,这是我国城市商业银行必须要面对的问题,当然,这也是盛京银行急需解决的问题。财务指标作为一种最为通用的商用交流语言,能够直观反映银行的经营成果,所以本文以财务视角构建了盛京银行竞争力的评价体系,有利于建立科学的竞争力评价机制,从而找出影响盛京银行竞争力的关键因素,从根本上提高盛京银行的竞争实力。本文先简介了盛京银行的发展现状及财务概况,并从内部及外部视角对其竞争力环境做了简要的分析,发现其优势有区位与零售客户增长较快,盈利能力和成本控制力较好,核心企业客户质量较好,对小微金融推广积极。劣势有市场占有率不足,非利息收入占比过高,中间业务不够成熟。有国家政策扶持、中小企业兴起会为其带来的新机遇,也有国有四大行、其他商业银行与大量民间借贷资本的威胁。在基于财务视角的竞争力体系构建中选取了安全能力、流动能力、发展创新能力、盈利能力及规模实力这五方面的指标,运用了层次分析法对指标的权重进行计算,最后得出了盛京银行基于财务视角的竞争力在城市商业银行中处于较强水平。再选取了同是竞争力较强的四所城市商业银行,有北京银行、南京银行、宁波银行与哈尔滨银行,对其各个指标来做分析比较,这样可以比较直观的发现盛京银行竞争力的优势与劣势。通过研究发现,盛京银行基于财务的竞争力在五家银行中处于中间水平。盛京银行在安全性及盈利能力方面处于领先地位,但是其他三项的表现都处于中等水平。本文对提高盛京竞争力做出了相应的建议,指出其应拓展中间业务实现多元化经营,拓展贷款地区与结构避免过于集中单一,建立业务创新体系推进金融创新,加强资本充足率的管理。
[Abstract]:With the rapid growth of China's economy, as an important part of China's financial industry, urban commercial banks should shoulder the responsibility of supporting the sustained development of China's economy. In the background of global integration, the competition pressure of foreign banks is unprecedented. The competitive advantage of city bank in our country has the tendency of weakening gradually. How can we take into account the management efficiency and management efficiency at the same time, and enhance the competitiveness of the bank itself, so as to enhance its own advantage in the fierce market competition? This is the problem that the city commercial bank of our country must face, of course, this is also the problem that Shengjing bank urgently needs to solve. As the most common commercial communication language, financial indicators can directly reflect the management results of banks, so this paper constructs the evaluation system of Shengjing Bank's competitiveness from the financial angle of view, which is conducive to the establishment of a scientific competitiveness evaluation mechanism. So as to find out the key factors affecting the competitiveness of Shengjing Bank, fundamentally improve the competitive strength of Shengjing Bank. This paper first introduces the development status and financial situation of Shengjing Bank, and makes a brief analysis of its competitive environment from the internal and external perspectives, and finds that its advantages include fast growth of location and retail customers, good profitability and cost control. The core enterprise customer quality is good, to the small and micro finance popularizes positively. Inferior market share is insufficient, non-interest income is too high, intermediate business is not mature enough. With state policy support, the rise of small and medium-sized enterprises will bring it new opportunities, but also state-owned four banks, other commercial banks and a large number of private lending capital threats. In the construction of competitiveness system based on financial perspective, five indexes are selected: safety ability, mobility ability, development innovation ability, profitability and scale strength, and the weight of the index is calculated by AHP. Finally, the author draws the conclusion that Shengjing Bank's competitiveness based on financial perspective is at a strong level in urban commercial banks. Four city commercial banks, including the Bank of Beijing, the Bank of Nanjing, the Bank of Ningbo and the Bank of Harbin, were selected to analyze and compare their various indicators. In this way, the advantages and disadvantages of Shengjing Bank's competitiveness can be found intuitively. It is found that Shengjing Bank's financial competitiveness is at the intermediate level among the five banks. Shengjing Bank is in the lead in terms of safety and profitability, but the other three are at a moderate level. This paper makes corresponding suggestions to improve Shengjing's competitiveness, points out that it should expand intermediate business to realize diversified management, expand loan area and structure to avoid being too centralized and single, and establish business innovation system to promote financial innovation. Strengthen the management of capital adequacy ratio.
【学位授予单位】：沈阳工业大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.33

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