我国上市商业银行竞争力评价分析

发布时间：2018-04-19 21:41

本文选题：上市商业银行 + 竞争力　；参考：《云南财经大学》2017年硕士论文

【摘要】：近年来,我国上市商业银行在银行市场全面开放、各种支付手段不断出现、新技术不断发展、金融脱媒全面推进等局面下,竞争形势日益严峻。如何应对我国上市商业银行业市场变化以及转型需求,尽快提高自身竞争力等问题是当前面临的重要课题和任务。因此,开展客观评价和全面分析比较我国上市商业银行竞争力的研究,具体分析各商业银行竞争力强弱对比及形成原因,是非常有必要的,这对于提高我国上市商业银行整体的实力和促进我国金融业的健康发展都具有重要的现实意义。这正是本文研究的出发点。本文从动态和静态视角,首先对上市商业银行竞争力理论的梳理,由竞争力逐步引出上市商业银行竞争力的概念。然后,对我国上市商业银行竞争力评价体系进行构建,并对评价方法做出选择。通过定量分析和定性分析相结合的方法,对16家上市商业银行竞争力进行评价分析。在对我国上市商业银行环境竞争力、潜在竞争力以及环境竞争力进行分析后,本文得出以下结论:大型国有商业银行在安全性、规模性等方面更有优势,主要得益于其经营规模;股份制商业银行在潜在竞争力的创新方面占据优势,这是由于股份制商业银行在进行金融创新、公司治理方面既不像大型国有商业银行受到诸多束缚,又能摆脱城市商业银行的地理位置上的桎梏;城市商业银行在现实竞争力方面表现最佳,这不仅因为决策快、经营灵活等对企业形成强大的吸引力,还在于其余地方争取和企业的密切联系,使得城市商业银行在获取信息方面具有优势,能够详尽掌握客户资信状况,经营效果良好,另外政府支持也是现实竞争力具有优势重要原因之一。最后,针对分析结果对不同类型上市商业银行提出针对性建议。
[Abstract]:In recent years, China's listed commercial banks are fully open to the banking market, various means of payment continue to appear, new technologies continue to develop, financial disintermediation is comprehensively promoted, and so on, the competition situation is becoming increasingly severe. How to deal with the market changes and transformation needs of listed commercial banks in China and how to improve their competitiveness as soon as possible is an important subject and task. Therefore, it is necessary to carry out objective evaluation and comprehensive analysis and comparison of the competitiveness of listed commercial banks in China, and to specifically analyze the comparative strength and the reasons for the competitiveness of various commercial banks. This is of great practical significance for improving the overall strength of listed commercial banks and promoting the healthy development of our financial industry. This is the starting point of this study. In this paper, from the dynamic and static perspective, firstly, the competitiveness theory of listed commercial banks is combed, and the concept of competitiveness of listed commercial banks is gradually introduced from the competitiveness of listed commercial banks. Then, the competitiveness evaluation system of listed commercial banks in China is constructed, and the evaluation method is chosen. Through the combination of quantitative analysis and qualitative analysis, the competitiveness of 16 listed commercial banks is evaluated and analyzed. After analyzing the environmental competitiveness, potential competitiveness and environmental competitiveness of listed commercial banks in China, this paper draws the following conclusions: large state-owned commercial banks have more advantages in terms of security, scale, etc. This is mainly due to the scale of its operation, the advantages of joint-stock commercial banks in the innovation of potential competitiveness, which is due to the fact that joint-stock commercial banks are engaged in financial innovation, and corporate governance is neither subject to many constraints as large state-owned commercial banks. They can also get rid of the shackles of the city commercial banks' geographical location. The city commercial banks perform best in the realistic competitiveness, which is not only because of the strong attraction to enterprises, such as quick decision making and flexible management, etc. It also lies in the close ties between the rest of the places and the enterprises, so that the city commercial banks have an advantage in obtaining information, are able to grasp the credit status of their customers in detail, and have good operating results. In addition, government support is also one of the important reasons for the advantage of realistic competitiveness. Finally, according to the results of the analysis of different types of listed commercial banks put forward targeted recommendations.
【学位授予单位】：云南财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.33

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