我国A股上市商业银行竞争力评价及影响因素研究

发布时间：2018-05-05 20:19

本文选题：A股上市商业银行 + 竞争力　；参考：《西北农林科技大学》2017年硕士论文

【摘要】：A股上市商业银行是我国银行业的领头羊,在金融业中也占有着极其重要的地位,因此增强对其竞争力的评价研究具有重大的现实意义。基于2006年-2015年16家A股上市商业银行的年度数据,采用主成分分析法对其竞争力及内部构成进行了横向对比评价和纵向趋势评价,结果发现:第一,竞争力、规模实力强弱名次大致为国有控股银行股份制银行城市商业银行,而财务能力强弱名次大致为城市商业银行股份制银行国有控股银行;第二,A股上市商业银行竞争力仍然比较倚重体量优势,而对内生质量优势的倚重相对不足,这一点国有控股商业银行表现尤为明显,其依附庞大的体量优势而稳居竞争力的最前列;第三,A股上市商业银行竞争力还出现了“低水平集聚”、首位度偏高、内部分化比较严重等现象,而且研究显示“低水平集聚”状态、首位度偏高现象较为稳定,而内部分化程度还有进一步加大的趋势;第四,三类上市银行对突发宏观经济危机的敏感度有所差异,国有控股银行较高,而股份制银行与城市商业银行较低。2008年金融危机的爆发使国际宏观经济环境发生了很大变化,我国经济也随之进入了新常态模式,为了改善经济结构,促进经济增长并实现跨越式发展,习近平总书记多次提到我国经济增长要逐步摆脱以往的要素、投资驱动模式,转而依靠创新驱动模式。而内外环境的变化使商业银行的运营机制也在悄然改变,仅仅依靠粗放的外延增长已经很难支撑商业银行的进一步发展,因此创新驱动力便提上议事日程。本文以创新驱动力入手,基于2015年各家A股上市银行的年份资料,采用多元半对数线性回归方程对其竞争力影响因素实行了研究,结果发现:虽然其他收入占比在不断上升,但是存贷款利差收入依然占据支配性的地位,与国际知名银行相比差距较大;业务创新驱动力、技术创新驱动力与创新风险控制力对A股上市商业银行竞争力都有显著的影响,但是创新风险控制力相较影响更大,各家银行应对此引起足够警惕。在以上所得结论的基础上,本文提出了四点建议:寻找新的投资贷款对象,增强应对突发经济危机的能力;大力发展中间业务,实现自身的转型升级;大力提高计算机科技水平,实现计算机技术与银行业的紧密联合;加强风险监管,实现平稳发展。
[Abstract]:A-share listed commercial banks are the leaders of China's banking industry, and also occupy an extremely important position in the financial industry. Therefore, it is of great practical significance to strengthen the research on the evaluation of the competitiveness of A-share listed commercial banks. Based on the annual data of 16 A-share listed commercial banks from 2006 to 2015, this paper makes a horizontal comparative evaluation and a vertical trend evaluation of their competitiveness and internal composition by principal component analysis. The results show that: first, competitiveness. The scale strength is roughly state-owned holding bank joint-stock bank city commercial bank while the financial ability rank is city commercial bank joint-stock bank state-owned holding bank; Second, the competitiveness of A-share listed commercial banks is still relatively dependent on volume advantages, while the reliance on endogenous quality advantages is relatively insufficient. This is particularly evident in state-owned holding commercial banks. Third, the competitiveness of A-share listed commercial banks also appears to be "low level agglomeration", the first degree is on the high side, and the internal differentiation is serious, and so on. Moreover, the research shows that the phenomenon of "low level agglomeration", the phenomenon of high degree of primacy is relatively stable, while the degree of internal differentiation is further increased. Fourth, the sensitivity of the three types of listed banks to the sudden macroeconomic crisis is different. The state-owned holding banks are higher, while the joint-stock banks and the city commercial banks are lower. The outbreak of the financial crisis in 2008 has changed the international macroeconomic environment greatly, and our country's economy has also entered the new normal mode, in order to improve the economic structure, To promote economic growth and realize leap-forward development, General Secretary Xi Jinping has repeatedly mentioned that China's economic growth should gradually get rid of the elements of the past, the investment-driven model and rely on the innovation-driven model. However, the internal and external environment changes the operation mechanism of commercial banks quietly. It is difficult to support the further development of commercial banks only by extensive extension growth, so the driving force of innovation is put on the agenda. Based on the year data of the A-share listed banks in 2015, this paper studies the factors influencing the competitiveness of the A-share listed banks by using the multivariate semi-logarithmic linear regression equation. The results show that, although the share of other income is increasing, But the income of deposit and loan spreads still occupies the dominant position, compared with the international well-known banks, there is a big gap; the driving force of business innovation, the driving force of technological innovation and the control of innovation risk have significant influence on the competitiveness of A-share listed commercial banks. But innovative risk control is more important, and banks should be wary of it. On the basis of the above conclusions, this paper puts forward four suggestions: to find new investment and loan object, to strengthen the ability to deal with the sudden economic crisis, to develop intermediary business vigorously, and to realize its own transformation and upgrading. We should improve the level of computer science and technology, realize the close combination of computer technology and banking industry, strengthen risk supervision, and realize steady development.
【学位授予单位】：西北农林科技大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.33;F830.42

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