基于财务视角的郑州银行竞争力研究

发布时间：2018-04-19 16:45

本文选题：竞争力 + 财务视角　；参考：《郑州大学》2017年硕士论文

【摘要】：郑州银行是河南省城市商业银行的重要组成部分,随着利率市场化的推进、民营银行准入经营和互联网技术的不断发展,其原有的竞争战略无法适应当前的市场经营环境。本文旨在运用层次分析法和数据分析研究郑州银行竞争力的优劣势,并提出建设性意见。首先对郑州银行目前所面临的内外部竞争环境进行分析,找出郑州银行的优势和劣势、机会和威胁。接着通过与现行竞争战略的比较分析,找出郑州银行的竞争定位,从而提出适合郑州银行发展的差异化竞争战略方案。然后选取流动能力、安全能力、盈利能力、市场占有能力和规模能力这五个方面的指标,采用层析分析法对五方面的16个指标权重进行计算,得出基于财务视角的郑州银行的竞争力在城市商业银行中较强。根据2015年郑州银行、中原银行和洛阳银行的财务报表进行同业竞争力横向分析,通过16个指标五个方面的比较分析得出郑州银行基于财务竞争力属于中间水平,其中在安全能力、市场占有能力的方面有一定的优势,但流动性能力、盈利能力和规模能力方面水平中等。最后本文通过对郑州银行竞争力进行研究分析,找出其在竞争环境中的优劣势,制定出郑州银行在竞争环境中可以有效实施的竞争方案:调整资本结构,防范流动风险;提高资本充足率,加强安全能力;拓展业务范围,增加市场占有份额;拓展贷款业务,避免过于集中单一;创新业务体系,实现金融发展。期望通过这项研究对我国城商行的发展提供帮助。
[Abstract]:Zhengzhou Bank is an important part of Henan City Commercial Bank. With the promotion of interest rate marketization and the continuous development of private banks' access management and Internet technology, its original competitive strategy can not adapt to the current market operating environment.The purpose of this paper is to use AHP and data analysis to study the advantages and disadvantages of Zhengzhou Bank Competitiveness, and put forward constructive suggestions.Firstly, this paper analyzes the internal and external competitive environment of Zhengzhou Bank, and finds out the advantages and disadvantages, opportunities and threats of Zhengzhou Bank.Then, through the comparative analysis with the current competitive strategy, the author finds out the competitive position of Zhengzhou Bank, and puts forward the differentiated competitive strategy scheme suitable for the development of Zhengzhou Bank.Then select five indexes of mobility, safety, profitability, market possession and scale ability, and calculate the weight of 16 indexes in five aspects by using chromatography analysis.It is concluded that Zhengzhou Bank is more competitive in urban commercial banks based on financial perspective.According to the financial statements of Zhengzhou Bank, Zhongyuan Bank and Luoyang Bank in 2015, the horizontal analysis of interbank competitiveness is carried out, and through the comparative analysis of 16 indicators and five aspects, it is concluded that Zhengzhou Bank belongs to the intermediate level based on financial competitiveness.Among them, there are some advantages in the aspects of safety ability and market possession ability, but the level of liquidity, profitability and scale ability is moderate.Finally, this paper analyzes the competitiveness of Zhengzhou Bank, finds out its advantages and disadvantages in the competitive environment, and formulates the competitive scheme that Zhengzhou Bank can effectively implement in the competitive environment: adjust the capital structure, guard against the flow risk;Improve capital adequacy, strengthen security ability; expand business scope, increase market share; expand loan business, avoid too centralized and single; innovate business system to achieve financial development.Through this study, we hope to provide help for the development of our city business.
【学位授予单位】：郑州大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.33

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