本文選題：商業(yè)銀行競爭力　切入點：指標體系　出處：《延安大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

【摘要】：本文對重慶農(nóng)村商業(yè)銀行競爭力（下稱：重慶農(nóng)商行）進行分析和研究。自1997年重慶升為直轄市后，我市金融業(yè)發(fā)展迅猛。在重慶市，外資銀行、城市商業(yè)銀行紛紛設(shè)立分支機構(gòu)，內(nèi)資銀行也積極地進行股份制改革，，村鎮(zhèn)銀行在重點縣級領(lǐng)域布點，重慶農(nóng)商行的發(fā)展面臨著前所未有的挑戰(zhàn)。因此，重慶農(nóng)商行應(yīng)如何整合自身的優(yōu)勢資源，以提升市場競爭力水平，同各大商業(yè)銀行、外資銀行、村鎮(zhèn)銀行等進行競爭，這是一個非常重要的課題。 本文綜合了指標評價法和層次分析方法（AHP）的優(yōu)勢。先借鑒指標評價法將評價指標分為現(xiàn)實競爭力指標和潛在競爭力指標兩大類，再利用YAAHP軟件對各指標間進行兩兩打分，得出各指標的綜合權(quán)重。同時為了更為詳細地分析重慶農(nóng)商行綜合競爭力水平，本文根據(jù)評價指標體系對重慶農(nóng)商行、農(nóng)行重慶分行、重慶銀行、各指標進行對比分析，得出重慶農(nóng)商行的綜合競爭力水平及競爭優(yōu)勢、競爭劣勢。有針對性地提出提升重慶農(nóng)商行競爭力水平的對策。第一，開展金融產(chǎn)品和服務(wù)創(chuàng)新，增強重慶農(nóng)村商業(yè)銀行的盈利能力；第二，完善管理機制，提升重慶農(nóng)商行風(fēng)險管理水平；第三，加大經(jīng)濟資本管控力度，進一步加強流動性資產(chǎn)管理；第四，加強財務(wù)管理，完善制度體系，不斷規(guī)范財務(wù)行為；第五，優(yōu)化員工結(jié)構(gòu)，強化員工培訓(xùn)，加強人才隊伍建設(shè)。
[Abstract]:This paper analyzes and studies the competitiveness of Chongqing Rural Commercial Bank (Chongqing Rural Commercial Bank). Since 1997, Chongqing has become a municipality directly under the Central Government. City commercial banks have set up branches one after another, domestic banks have also been actively engaged in joint stock system reform, village and town banks have been deployed in key county-level areas, and the development of Chongqing agricultural and commercial banks is facing unprecedented challenges. How to integrate the advantage resources of Chongqing Agricultural and Commercial Bank in order to improve the level of market competitiveness and compete with the major commercial banks, foreign banks, village banks and so on is a very important subject. This paper synthesizes the advantages of the index evaluation method and the analytic hierarchy process (AHP) method. Firstly, the evaluation index is divided into realistic competitiveness index and potential competitiveness index by using the index evaluation method, and then each index is graded by YAAHP software. At the same time, in order to analyze the level of comprehensive competitiveness of Chongqing agribusiness bank in more detail, this paper makes a comparative analysis on Chongqing agricultural commercial bank, agricultural bank Chongqing branch, Chongqing bank, and each index according to the evaluation index system. The comprehensive competitive level, competitive advantage and competitive disadvantage of Chongqing agribusiness bank are obtained. The countermeasures to enhance the competitiveness level of Chongqing agribusiness bank are put forward. First, the innovation of financial products and services is carried out. Strengthen the profitability of Chongqing rural commercial banks; second, improve the management mechanism to enhance the level of risk management of Chongqing agribusiness; third, increase the control of economic capital, further strengthen the management of liquid assets; 4th, strengthen financial management, Perfect the system system, standardize the financial behavior constantly; 5th, optimize the staff structure, strengthen the staff training, strengthen the construction of the talent team.
【學(xué)位授予單位】：延安大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.35

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