本文選題：商業(yè)銀行競爭力　切入點(diǎn)：評價(jià)指標(biāo)　出處：《東北財(cái)經(jīng)大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

【摘要】：在經(jīng)濟(jì)愈益全球化的今天,金融業(yè)作為現(xiàn)代經(jīng)濟(jì)的核心與支柱,其發(fā)展水平在一定程度上影響著一個(gè)國家的發(fā)展水平。商業(yè)銀行則是宏觀經(jīng)濟(jì)調(diào)控的市場基礎(chǔ),是中央銀行貨幣政策的具體執(zhí)行者,作為我國金融體系中最核心的部分,商業(yè)銀行體系的穩(wěn)定關(guān)系到國家整個(gè)金融體系的穩(wěn)定,其競爭力強(qiáng)弱對我國國民經(jīng)濟(jì)的發(fā)展具有舉足輕重的作用。 對于我國銀行業(yè)而言,既要面對來自國內(nèi)同業(yè)的競爭,同時(shí)又要面對強(qiáng)大的國際對手的挑戰(zhàn),競爭形勢十分嚴(yán)峻。而我國商業(yè)銀行的整體競爭實(shí)力并不高,中國銀行業(yè)在為我國經(jīng)濟(jì)的快速持續(xù)發(fā)展做出重大貢獻(xiàn)的同時(shí),也暴露出一些問題：中間業(yè)務(wù)收入占比、風(fēng)險(xiǎn)管理水平、經(jīng)營管理水平等方面與國際同業(yè)還存在一定差距。隨著外資銀行參與國內(nèi)銀行競爭程度的不斷提高,中國銀行業(yè)面臨著市場份額下降和盈利能力下降的風(fēng)險(xiǎn)。如何在國際化市場條件下,保護(hù)我國金融業(yè)穩(wěn)定蓬勃發(fā)展,提高銀行的綜合競爭力是我國上市商業(yè)銀行所面對的一個(gè)重大挑戰(zhàn)。因此,面對著如此激烈的競爭環(huán)境,關(guān)注如何提高銀行競爭力,既是商業(yè)銀行的核心任務(wù),也是商業(yè)銀行經(jīng)營可持續(xù)發(fā)展的前提條件。 本文選取了包括國有商業(yè)銀行、全國性股份制商業(yè)銀行、城市性商業(yè)銀行和外資銀行在內(nèi)的16家上市銀行作為競爭力評價(jià)實(shí)證研究的樣本對象,運(yùn)用SPSS statistics軟件對分析樣本2012年的財(cái)務(wù)數(shù)據(jù)進(jìn)行因子分析,通過對比各個(gè)因子的得分及綜合因子得分,全面地分析和評價(jià)各家上市銀行的競爭力。從而研究影響商業(yè)銀行競爭力的主要因素,再通過對比兩大類商業(yè)銀行的指標(biāo)來探討我國商業(yè)銀行競爭力的提升途徑,并提出幾點(diǎn)合理建議。
[Abstract]:In today's increasingly globalized economy, the financial industry, as the core and pillar of the modern economy, has a certain degree of influence on the level of development of a country, and commercial banks are the market basis for macroeconomic regulation and control. As the core part of our financial system, the stability of the commercial banking system is related to the stability of the country's entire financial system. Its competitive power plays an important role in the development of our national economy. For China's banking industry, it is necessary to face the competition from domestic banks as well as the challenges from powerful international rivals. The competition situation is very severe. However, the overall competitive strength of our commercial banks is not high. While China's banking industry has made great contributions to the rapid and sustainable economic development of our country, it has also exposed some problems: the proportion of intermediate business income, the level of risk management, There is still a certain gap between foreign banks and their international counterparts in terms of their level of operation and management. With the increasing degree of foreign banks participating in the competition of domestic banks, China's banking industry is facing the risk of falling market share and declining profitability. How to protect China's financial industry from developing steadily and vigorously under the international market conditions? Therefore, in the face of such fierce competition environment, it is the core task of commercial banks to pay attention to how to improve the competitiveness of banks. It is also a prerequisite for the sustainable development of commercial banks. In this paper, 16 listed banks, including state-owned commercial banks, national joint-stock commercial banks, urban commercial banks and foreign banks, are selected as the sample of empirical research on competitiveness evaluation. SPSS statistics software is used to analyze the financial data of 2012. By comparing the score of each factor and the score of comprehensive factor, This paper comprehensively analyzes and evaluates the competitiveness of each listed bank, so as to study the main factors affecting the competitiveness of commercial banks, and then discusses the ways to enhance the competitiveness of commercial banks in China by comparing the indicators of the two types of commercial banks. Some reasonable suggestions are put forward.
【學(xué)位授予單位】：東北財(cái)經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.33;F224

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