基于要素视角的上市商业银行创新能力评价研究

发布时间：2018-12-26 14:23

【摘要】：商业银行作为金融业的重要组成部分,其发展水平不仅关系到我国金融业的整体状况,同时由于商业银行在社会经济中的资金融通和纽带作用,因此对于其他行业的发展也会产生重要的影响。公开数据显示,2016年末我国商业银行取得了将近1.7万亿元人民币的净利润。然而,在商业银行取得的巨额利润中,利息收入却占据了相当大的比重,这说明了我国商业银行过度依赖净利差收入,以及中间业务和创新性业务欠缺的现状,进一步反映了我国商业银行创新能力明显不足的现实问题。因此,分析和研究商业银行的创新能力,无论对于商业银行自身,还是对于我国金融行业乃至整个社会经济而言,都具有重要的理论意义和现实意义。本文以创新要素为分析和研究的视角,尝试构建起一套评价和分析商业银行创新能力的完整体系,采用因子分析法及TOPSIS评价方法对我国16家上市商业银行的创新能力指标进行量化分析,从而得出16家上市商业银行创新能力的相对优劣次序,以发现上市商业银行创新能力的现状。研究结果表明:第一,从整体上看上市商业银行的创新能力和水平仍然较低;第二,上市商业银行之间的创新能力发展较为不平衡,并且呈现出梯队分布的特征;第三,部分上市商业银行的创新能力内部分项发展不平衡,即在某些创新要素指标上发展较为突出,而在其他创新要素指标方面发展较为落后;第四,上市商业银行的创新能力具有很大的发展动力和机遇。据此,本文尝试提出以下针对性的对策和建议:首先,综合立法和行政部门、银行业监管机构、银行业协会、商业银行自身、科技企业等多方资源,为商业银行开拓创新业务提供良好的环境和条件;其次,各商业银行应当从创新要素投入、顾客需求及创新产出、创新风险控制等创新能力的各方面出发,着力提高自身整体创新能力,以缩小银行间创新能力的差距;再次,扬长补短,商业银行应当在保持自身创新能力优势方面的同时,努力弥补创新能力的短板要素,努力做到创新能力各方面均衡发展;最后,商业银行还应不断加强知识管理,形成创新的制度、文化和氛围。
[Abstract]:As an important part of the financial industry, the development level of commercial banks is not only related to the overall situation of our financial industry, but also due to the role of commercial banks in the social and economic financing and ties. Therefore, the development of other industries will also have an important impact. China's commercial banks made a net profit of nearly 1.7 trillion yuan at the end of 2016, according to public data. However, among the huge profits made by commercial banks, interest income accounts for a large proportion, which shows that the commercial banks in China are over-dependent on net interest margin income, as well as the lack of intermediate business and innovative business. It further reflects the reality of the obvious shortage of innovation ability of commercial banks in our country. Therefore, it is of great theoretical and practical significance to analyze and study the innovative ability of commercial banks, not only for the commercial banks themselves, but also for the financial industry and even the whole society and economy of our country. This paper tries to construct a complete system to evaluate and analyze the innovation ability of commercial banks from the perspective of innovation factors. By using factor analysis method and TOPSIS evaluation method, the index of innovation ability of 16 listed commercial banks in China is analyzed quantitatively, and the relative order of innovation ability of 16 listed commercial banks is obtained. In order to find the status quo of innovation ability of listed commercial banks. The results show that: firstly, the innovation ability and level of listed commercial banks are still low; second, the development of innovation ability among listed commercial banks is unbalanced, and it shows the characteristics of echelon distribution. Third, the development of some listed commercial banks' innovation ability is not balanced, that is, the development of some innovation factors is more prominent, but the development of other innovative elements is relatively backward. Fourthly, the innovation ability of listed commercial banks has great development power and opportunity. Based on this, this paper tries to put forward the following countermeasures and suggestions: first, comprehensive legislative and administrative departments, banking regulatory agencies, banking associations, commercial banks themselves, science and technology enterprises and other resources, To provide a good environment and conditions for commercial banks to open up innovative business; Secondly, commercial banks should focus on improving their overall innovation ability from the aspects of innovation factor input, customer demand, innovation output, innovation risk control and so on, in order to narrow the gap between banks' innovation ability. Thirdly, make up for each other's weakness, commercial banks should try hard to make up for the short board elements of innovation ability while maintaining their own advantages of innovation ability, and strive to achieve balanced development of innovation ability in all aspects. Finally, commercial banks should strengthen knowledge management and form innovative system, culture and atmosphere.
【学位授予单位】：深圳大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.33;F832.51

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