本文關(guān)鍵詞：我國(guó)上市商業(yè)銀行競(jìng)爭(zhēng)力的實(shí)證研究　出處：《云南師范大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

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【摘要】：隨著2006年我國(guó)金融市場(chǎng)面相全球開放，銀行業(yè)也對(duì)外開放，世界各國(guó)銀行陸續(xù)進(jìn)駐中國(guó)。這也對(duì)我國(guó)銀行業(yè)形成了沖擊，也正是此時(shí)，對(duì)我國(guó)銀行業(yè)競(jìng)爭(zhēng)力水平的研究推向高峰，隨后對(duì)銀行業(yè)的研究逐漸被冷落。距離2006年已經(jīng)6年之久的今天，我們?nèi)匀挥斜匾芯裤y行業(yè)的競(jìng)爭(zhēng)力水平，首先，經(jīng)過6年的發(fā)展，我國(guó)銀行業(yè)現(xiàn)已基本具有相對(duì)完整的體系，各項(xiàng)制度相對(duì)完善；其次，6年之間，我國(guó)經(jīng)濟(jì)發(fā)展迅速，銀行業(yè)作為經(jīng)濟(jì)發(fā)展的中心，也得到了長(zhǎng)足的發(fā)展，而現(xiàn)在我國(guó)上市商業(yè)銀行發(fā)展的如何、各家銀行發(fā)展的程度、競(jìng)爭(zhēng)力的水平仍值得研究。尤其是2008年金融危機(jī)過后，世界政治、經(jīng)濟(jì)形勢(shì)發(fā)生重大變化，經(jīng)濟(jì)格局演化日趨復(fù)雜，在這樣復(fù)雜多變的環(huán)境中，我國(guó)商業(yè)銀行怎樣去應(yīng)對(duì)、怎樣在多變的環(huán)境中生存、怎樣處理好國(guó)內(nèi)、國(guó)際上的關(guān)系，仍然是亟待解決的問題。 眾所周知，銀行是任何一個(gè)國(guó)家的金融中心，銀行通過發(fā)放貸款和吸取存款起到中介的作用，但是現(xiàn)在銀行也逐漸多元化經(jīng)營(yíng)，不僅僅從事貸款和存款等主要業(yè)務(wù)，還從事各種中間業(yè)務(wù)。我國(guó)商業(yè)銀行發(fā)展至今，業(yè)務(wù)逐漸增加，產(chǎn)品也逐漸多元化。截止到2012年我國(guó)上市商業(yè)銀行共計(jì)16家，這些上市商業(yè)銀行是我國(guó)商業(yè)銀行的代表，資產(chǎn)估摸宏大。而面對(duì)如此之多的國(guó)內(nèi)外銀行，商業(yè)銀行競(jìng)爭(zhēng)十分激烈，，尤其是近幾年來，我國(guó)銀行逐漸增多，截止2012年我國(guó)銀行共計(jì)36582家，那么如何提升銀行的競(jìng)爭(zhēng)力水平，成為古老而又有現(xiàn)實(shí)意義的話題，這也是本文所要研究的主要內(nèi)容，本文通過選取15個(gè)能反應(yīng)銀行整體水平的指標(biāo)和16家上市商業(yè)銀行作為樣本進(jìn)行分析研究，指標(biāo)覆蓋銀行的各個(gè)方面，包括財(cái)務(wù)指標(biāo)和非財(cái)務(wù)指標(biāo)。而以往的相關(guān)論文一般只采用財(cái)務(wù)指標(biāo)進(jìn)行分析，這樣是不夠全面的，銀行業(yè)的競(jìng)爭(zhēng)力水平不僅僅表現(xiàn)在財(cái)務(wù)指標(biāo)上。在各位學(xué)者研究和各種理論的基礎(chǔ)上，將這些指標(biāo)建立一個(gè)模型，利用SPSS軟件和因子分析法進(jìn)行實(shí)證分析，最終得出各個(gè)上市商業(yè)銀行的競(jìng)爭(zhēng)力水平排名，并根據(jù)實(shí)證結(jié)果分析國(guó)有商業(yè)銀行和上市股份制商業(yè)銀行各自的優(yōu)缺點(diǎn)，針對(duì)他們的弱勢(shì)提出相應(yīng)的對(duì)策和建議，以提升他們的競(jìng)爭(zhēng)力水平，針對(duì)他們的優(yōu)勢(shì)為我國(guó)銀行業(yè)提供借鑒，最后得出本文的結(jié)論，并對(duì)我國(guó)商業(yè)銀行未來的發(fā)展前景進(jìn)行展望。
[Abstract]:With the 2006 global financial market of our country is open, the banking sector is also open, world bank began to enter the Chinese. This is also the China's banking industry to form a shock, it is also at this time, the research on the level of competitiveness of China's banking industry to the peak, then the research on the banking industry gradually from 2006 has been neglected. 6 years ago today, the level of competitiveness, we still need to study the banking industry first, after 6 years of development, China's banking industry has been basically has a relatively complete system, the system is relatively perfect; secondly, between 6 years, China's rapid economic development, the banking industry as the center of economic development, but also to obtain the considerable development, and now how to develop China's listed commercial banks, development banks, competitiveness is still worth studying. Especially after the 2008 financial crisis, the world political and economic situation Great changes have taken place and the evolution of economic structure is becoming more and more complex. In such a complex and changeable environment, how to deal with China's commercial banks, how to survive in a changeable environment and how to deal with domestic and international relations is still a pressing problem.
As everyone knows, the bank is a national financial center, bank loans and deposits by absorbing play an intermediary role, but now banks have gradually diversified, not only engaged in loans and deposits such as the main business, also engaged in a variety of intermediate business. China's commercial banking business development has gradually increased, gradually diversified products by the end of 2012. China's listed commercial banks a total of 16, the listed commercial banks is the representative of China's commercial banks, asset reckon grand. In the face of so many domestic and foreign banks, the commercial bank is very competitive, especially in recent years, China's banking gradually increased, by the end of 2012 China's total bank 36582, how to enhance the level of competitiveness of the bank, have become old and realistic topic, the main content of this paper is to study, this paper selected 15 can Analysis of the overall level of response to the bank's index and 16 listed commercial banks as samples, all indicators covering banks, including financial and non-financial indicators. And the previous papers generally only uses financial indicators analysis, this is not enough, the level of competitiveness of the banking industry is not only reflected in the financial index. Based on the former research and theory, a model of these indicators is established, the empirical analysis by using SPSS software and factor analysis method, finally obtains the competitiveness level of each listed commercial banks ranked according to the advantages and disadvantages of the state-owned commercial banks and joint-stock commercial banks listed their empirical analysis results, for their weakness put forward the corresponding countermeasures and suggestions, in order to enhance their competitive level, and provide reference for their advantages for China's banking industry, the last The conclusion of this paper and the prospect of the future development of China's commercial banks are prospected.

【學(xué)位授予單位】：云南師范大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.33

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