兴业银行财务竞争力评价研究

发布时间：2018-04-20 05:48

本文选题：财务竞争力 + 兴业银行　；参考：《山东工商学院》2017年硕士论文

【摘要】：近年来,随着利率市场化节奏和金融市场开放节奏的进一步加快,国内外宏观经济环境相对从紧,我国银行业竞争愈演愈烈。对于我国银行业而言,不仅要面对来自国内同业的竞争,而且又要面对经验丰富的外资银行的挑战,竞争形势十分严峻。全国性股份制商业银行作为我国银行业的中坚力量,需要积极适应内外部形势变化,加快提升财务竞争力对全国性股份制商业银行来说刻不容缓。兴业银行从建行至今,短短28年间经历了从更名到引资再到并购最终实现上市的迅速成长,稳居全球银行前50强之列,其经营业绩和资产规模的快速发展在全国范围内开展商业金融业务的股份制银行中较有代表性。当前,国内外学者们对于财务竞争力的探讨依然处在理论探索层面,关于财务竞争力的评价主要集中于制造企业,而对于商业银行这一类特殊性质的企业探讨较少,理论与实践研究的脱节现象阻碍了商业银行财务竞争力的进一步提升。财务竞争力是核心竞争力在财务方面的表现,其直接影响商业银行在复杂经济环境中的发展,鉴于兴业银行经营转型之际注重财务竞争力的发展策略,关于其财务竞争力的评价研究对全国性股份制商业银行具有重要价值和意义。面对国内外众多银行的激烈竞争压力,财务竞争力的提升是兴业银行完成经营转型的后续力量。本文结合与财务竞争力评价相关的理论,从影响财务竞争力三个要素入手,以规范性研究为主,从资本资产实力、盈利发展能力、风险管理能力出发设置9个指标,利用因子分析法评价结果客观的优点来对兴业银行财务竞争力情况进行测评。研究发现,兴业银行的财务竞争能力在13家全国性股份制商业银行中处于中游水平,其经营转型战略的实施效果并不突出,尤其在中间业务的发展速度方面有待提高,但其“控新与降旧”的风险管理策略成效显著且值得推广。针对兴业银行财务竞争力的优劣势,提出了增强其财务竞争能力的建议,这也为同业银行提供了参考,对其今后财务竞争能力的提升具有借鉴意义。
[Abstract]:In recent years, with the further acceleration of the pace of interest rate liberalization and the opening of financial market, the macroeconomic environment at home and abroad is relatively tight, and the competition of our banking industry is becoming more and more intense. For China's banking industry, the competition not only comes from domestic banks, but also from experienced foreign banks. The competition situation is very severe. As the backbone of China's banking industry, the national joint-stock commercial banks need to adapt to the changes of internal and external situations, and accelerate the promotion of financial competitiveness for the national joint-stock commercial banks without delay. From CCB to now, Industrial Bank has experienced a rapid growth from changing its name to introducing capital to mergers and acquisitions, ranking among the top 50 banks in the world in a short period of 28 years. The rapid development of its business performance and asset scale is more representative in the joint-stock banks that carry out commercial and financial business in the whole country. At present, scholars at home and abroad are still in the theoretical level of the discussion of financial competitiveness, the evaluation of financial competitiveness is mainly focused on manufacturing enterprises, but for the commercial banks of this kind of special nature of enterprises to discuss less. The disconnection between theory and practice hinders the further improvement of financial competitiveness of commercial banks. Financial competitiveness is the performance of core competitiveness in finance, which directly affects the development of commercial banks in the complex economic environment. The evaluation of its financial competitiveness is of great value and significance to the national joint-stock commercial banks. In the face of the fierce competition pressure of many banks at home and abroad, the promotion of financial competitiveness is the subsequent strength of Societe Generale Bank to complete the operation transformation. Based on the theories related to the evaluation of financial competitiveness, this paper starts with the three factors of influencing financial competitiveness, focusing on normative research, setting up nine indicators from the strength of capital assets, the ability of profit development and the ability of risk management. Factor analysis is used to evaluate the financial competitiveness of Societe Generale Bank. It is found that the financial competitiveness of SocGen Bank is in the middle of the 13 national joint-stock commercial banks, and the effect of its operation transformation strategy is not outstanding, especially the development speed of intermediate business needs to be improved. But its risk management strategy of "controlling new and reducing old" is effective and worth popularizing. In view of the advantages and disadvantages of the financial competitiveness of Societe Generale Bank, this paper puts forward some suggestions to enhance its financial competitiveness, which provides a reference for the interbank banks, and has reference significance for the enhancement of its financial competitiveness in the future.
【学位授予单位】：山东工商学院
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.33;F830.42

【参考文献】