中美银行业竞争力比较研究

发布时间：2018-06-22 20:57

本文选题：中美 + 银行业　；参考：《外交学院》2017年硕士论文

【摘要】：历经2008年金融危机,中美银行业的竞争力格局均发生了变化,经过金融危机获得巨大发展的中国银行业与遭受危机重创又恢复竞争力的美国银行业对比实力如何,有待进一步验证。本文从定性、定量两个角度分析了中美两国银行业竞争力情况,定性分析结果与实证分析结果基本一致,综合得到如下结论:流动能力,当前美国银行业的表现略优于中国,且其流动能力分布更为均衡,基础更加稳定。中国存在许多流动能力较差的银行拉低了整体流动性水平;发展能力,美国银行业发展能力远远领先于中国,当前中国银行业发展能力稳步增强,两国差距不断缩小,但若想要在此方面追赶美国,中国银行业还需继续保持稳步增长的态势;盈利能力,中国银行业的表现略优于美国银行业,这主要得益于一些体量较小的银行具有较强的盈利能力,两国银行业盈利能力差距不大;风险控制能力,中国银行业的风险控制能力目前略领先于美国银行业,但美国银行业风控能力不断增强,正在逐步赶上甚至超过中国银行业。综合来看,两国银行业综合竞争力相当,差距微小。为提高中国银行业竞争力,需进一步发展中间业务,提高盈利能力;合理控制资产规模,提高银行经营效率;加强风险管理,提升风险控制能力。
[Abstract]:After the financial crisis of 2008, the competitive pattern of Chinese and American banks has changed. After the financial crisis, China's banking industry, which has gained tremendous development, is compared with the US banking industry, which has been hit hard by the crisis and has recovered its competitiveness. Further verification is needed. This paper analyzes the competitiveness of Chinese and American banks from qualitative and quantitative perspectives. The qualitative analysis results are basically consistent with the empirical results, and the conclusions are as follows: liquidity, the current performance of American banks is slightly better than that of China. And its flow capacity distribution is more balanced, the foundation is more stable. There are many banks with poor liquidity in China that have pulled down the overall liquidity level; the development capacity of the United States banking industry is far ahead of that of China; at present, the development capacity of China's banking industry has steadily increased, and the gap between the two countries has been narrowing. However, to catch up with the United States in this respect, China's banking industry needs to continue to maintain a steady growth trend, and its profitability is slightly better than that of its American counterparts. This is mainly due to the fact that some smaller banks have relatively strong profitability, and the gap between the two countries' banks' profitability is not large; the risk control capability of the Chinese banking sector is now slightly ahead of that of the US banking sector. But the U.S. banking industry is growing in wind-control capacity and is catching up with or even overtaking its Chinese counterparts. To sum up, the two countries' comprehensive competitiveness of the banking sector is comparable, the gap is small. In order to improve the competitiveness of China's banking industry, it is necessary to further develop intermediate business, improve profitability, reasonably control the scale of assets, improve the efficiency of bank management, strengthen risk management, and enhance the ability of risk control.
【学位授予单位】：外交学院
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832;F837.12

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