基于结构方程模型的我国商业银行核心竞争力评价研究
发布时间：2018-08-12 08:20
【摘要】：根据2012年中国银行业竞争力报告数据显示,2011年中国工商银行、中国建设银行和中国银行分别包揽了全球最盈利银行榜单的前三名,我国商业银行逐渐具备了一定的竞争力。但是随着国内银行业务对外资银行逐步放开,我国银行业正面临着日益严峻的挑战。银行业作为金融业的主体,关系着一个国家的经济命脉,其发展受到了人们的广泛关注,也正因如此越来越多的学者开始关注商业银行核心竞争力方面的研究。虽然关于商业银行核心竞争力的研究报告层出不穷,但商业银行核心竞争力的评价体系还不够完整,对符合商业银行特点的核心竞争力定量评价方法研究仍是一个开放性的问题。 本文在综述商业银行核心竞争力相关理论和对商业银行进行价值链分析的基础上总结了商业银行核心竞争力的构成要素,即资源要素、能力要素、环境要素等,并从这些构成要素出发,构建了一套具备扎实理论基础的商业银行核心竞争力评价指标体系。本文创新性地将结构方程模型应用于商业银行核心竞争力的定量评价研究中；与传统的探索性因子分析从数据中寻找规律的逻辑不同,结构方程模型更加注重变量之间的内在联系,在成熟的理论研究和实践经验的基础上,提出合理的假设,再通过经验数据对研究假设进行验证,完全是一种验证性分析的策略,更加符合核心竞争力评价研究的逻辑。本文筛选了十二家上市商业银行2007至2012年的数据作为样本,构建了核心竞争力定量评价模型,结果显示模型拟合效果良好,通过了假设检验。通过核心竞争力打分分析了我国商业银行核心竞争力的现状,最后结合实证分析结果为提升我国商业银行核心竞争力提出了一些有参考意义的对策和建议。
[Abstract]:Industrial and Commercial Bank of China (ICBC), China Construction Bank (CCB) and Bank of China (BOC) each ranked the top three most profitable banks in the world in 2011, according to the 2012 China Banking Competitiveness report. However, with the gradual liberalization of domestic banking to foreign banks, China's banking industry is facing increasingly serious challenges. As the main body of the financial industry, the banking industry is related to the economic lifeline of a country, and its development has received extensive attention, which is why more and more scholars begin to pay attention to the research on the core competence of commercial banks. Although the research reports on the core competence of commercial banks emerge in endlessly, the evaluation system of the core competence of commercial banks is not complete enough. It is still an open question to study the quantitative evaluation method of core competence in accordance with the characteristics of commercial banks. On the basis of summarizing the relevant theories of the core competence of commercial banks and analyzing the value chain of commercial banks, this paper summarizes the constituent elements of the core competitiveness of commercial banks, that is, resource factor, capability factor, environment factor, etc. Based on these elements, a set of evaluation index system of core competence of commercial banks with solid theoretical foundation is constructed. In this paper, the structural equation model is innovatively applied to the quantitative evaluation of commercial banks' core competitiveness, which is different from the traditional exploratory factor analysis. The structural equation model pays more attention to the internal relation between variables. On the basis of mature theoretical research and practical experience, a reasonable hypothesis is put forward, and then the empirical data is used to verify the research hypothesis, which is a strategy of confirmatory analysis. More in line with the core competitiveness evaluation research logic. In this paper, the data of 12 listed commercial banks from 2007 to 2012 are selected as samples, and the quantitative evaluation model of core competence is constructed. The results show that the model fits well and passes the hypothesis test. This paper analyzes the present situation of the core competence of Chinese commercial banks through the scoring of the core competence, and finally puts forward some valuable countermeasures and suggestions for improving the core competence of the commercial banks in our country in the light of the results of the empirical analysis.
【学位授予单位】：华东理工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33;F224
本文编号：2178485
[Abstract]:Industrial and Commercial Bank of China (ICBC), China Construction Bank (CCB) and Bank of China (BOC) each ranked the top three most profitable banks in the world in 2011, according to the 2012 China Banking Competitiveness report. However, with the gradual liberalization of domestic banking to foreign banks, China's banking industry is facing increasingly serious challenges. As the main body of the financial industry, the banking industry is related to the economic lifeline of a country, and its development has received extensive attention, which is why more and more scholars begin to pay attention to the research on the core competence of commercial banks. Although the research reports on the core competence of commercial banks emerge in endlessly, the evaluation system of the core competence of commercial banks is not complete enough. It is still an open question to study the quantitative evaluation method of core competence in accordance with the characteristics of commercial banks. On the basis of summarizing the relevant theories of the core competence of commercial banks and analyzing the value chain of commercial banks, this paper summarizes the constituent elements of the core competitiveness of commercial banks, that is, resource factor, capability factor, environment factor, etc. Based on these elements, a set of evaluation index system of core competence of commercial banks with solid theoretical foundation is constructed. In this paper, the structural equation model is innovatively applied to the quantitative evaluation of commercial banks' core competitiveness, which is different from the traditional exploratory factor analysis. The structural equation model pays more attention to the internal relation between variables. On the basis of mature theoretical research and practical experience, a reasonable hypothesis is put forward, and then the empirical data is used to verify the research hypothesis, which is a strategy of confirmatory analysis. More in line with the core competitiveness evaluation research logic. In this paper, the data of 12 listed commercial banks from 2007 to 2012 are selected as samples, and the quantitative evaluation model of core competence is constructed. The results show that the model fits well and passes the hypothesis test. This paper analyzes the present situation of the core competence of Chinese commercial banks through the scoring of the core competence, and finally puts forward some valuable countermeasures and suggestions for improving the core competence of the commercial banks in our country in the light of the results of the empirical analysis.
【学位授予单位】：华东理工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33;F224
【参考文献】
相关期刊论文 前10条
1 王进军,孔德刚,唐弼;论我国商业银行核心竞争力的培育与提高[J];金融论坛;2001年09期
2 朱纯福;;现代商业银行核心竞争力的结构性解释[J];金融论坛;2007年01期
3 吕彦昭;喻登科;;基于价值链理论的商业银行业务流程优化研究[J];金融论坛;2007年01期
4 许南;曾翠;;中外商业银行核心竞争力的比较[J];金融论坛;2008年01期
5 易丽蓉;;基于结构方程模型的区域旅游产业竞争力评价[J];重庆大学学报(自然科学版);2006年10期
6 汪子琦;;基于Bootstrap法结构方程模型的区域建筑产业竞争力的实证研究[J];市场经济与价格;2011年08期
7 李建明;企业核心能力分析[J];中国工业经济;1998年11期
8 温彬;商业银行核心竞争力研究[J];国际金融研究;2004年04期
9 范莉莉;高喜超;叶常发;;企业核心竞争力的灰色关联度评价方法[J];管理学报;2011年12期
10 刘戈;尤涛;;基于结构方程的城市生态系统发展水平评价[J];城市发展研究;2013年01期
，本文编号：2178485
本文链接：https://www.wllwen.com/jingjilunwen/jingjiguanlilunwen/2178485.html
