本文選題：上市商業(yè)銀行 + 財(cái)務(wù)競(jìng)爭(zhēng)力��； 參考：《天津財(cái)經(jīng)大學(xué)》2013年碩士論文

【摘要】：在全球金融危機(jī)尚未結(jié)束、歐債危機(jī)越演越烈的背景下,全球銀行業(yè)競(jìng)爭(zhēng)格局仍在不斷演變。財(cái)務(wù)競(jìng)爭(zhēng)力的增強(qiáng)對(duì)商業(yè)銀行的持續(xù)發(fā)展有著極其重大的意義,探索如何有效地識(shí)別、培育進(jìn)而提升商業(yè)銀行財(cái)務(wù)競(jìng)爭(zhēng)力,將是一個(gè)亟待解決的重要問(wèn)題。商業(yè)銀行作為我國(guó)金融體系中最重要的組成部分,銀行財(cái)務(wù)競(jìng)爭(zhēng)力的強(qiáng)弱不僅直接關(guān)系到商業(yè)銀行自身的健康發(fā)展,更關(guān)系到我國(guó)金融體系是否穩(wěn)定的大局。因此,建立科學(xué)有效的指標(biāo)評(píng)價(jià)體系,對(duì)我國(guó)上市商業(yè)銀行財(cái)務(wù)競(jìng)爭(zhēng)力進(jìn)行分析,不但有利于幫助商業(yè)銀行發(fā)現(xiàn)自身存在的不足,還可以促進(jìn)金融體制改革的進(jìn)一步深化。 目前,對(duì)于我國(guó)上市商業(yè)銀行財(cái)務(wù)競(jìng)爭(zhēng)力的研究尚處于討論和探索階段,沒(méi)有形成系統(tǒng)地設(shè)計(jì)思路和具體方案。國(guó)內(nèi)外學(xué)者關(guān)于財(cái)務(wù)競(jìng)爭(zhēng)力的研究大多針對(duì)于一般企業(yè),很少有專(zhuān)門(mén)針對(duì)商業(yè)銀行財(cái)務(wù)競(jìng)爭(zhēng)力的深入研究,而且對(duì)于商業(yè)銀行財(cái)務(wù)競(jìng)爭(zhēng)力的研究,往往針對(duì)于國(guó)有銀行、城市商業(yè)銀行等特定類(lèi)型商業(yè)銀行,這不利于對(duì)我國(guó)上市商業(yè)銀行總體財(cái)務(wù)競(jìng)爭(zhēng)能力的把握,也不便于不同類(lèi)型商業(yè)銀行財(cái)務(wù)競(jìng)爭(zhēng)力的比較。 因此,在財(cái)務(wù)競(jìng)爭(zhēng)力理論的基礎(chǔ)上,結(jié)合我國(guó)上市商業(yè)銀行的特點(diǎn),文章挑選出具有代表性的15個(gè)財(cái)務(wù)指標(biāo),分別從盈利能力、風(fēng)險(xiǎn)管理能力、發(fā)展創(chuàng)新能力及規(guī)模實(shí)力四個(gè)方面,構(gòu)建了我國(guó)上市商業(yè)銀行財(cái)務(wù)競(jìng)爭(zhēng)力的評(píng)價(jià)體系,并以我國(guó)16家上市商業(yè)銀行為樣本,選取其2009-2011年相關(guān)數(shù)據(jù),運(yùn)用層次分析法定量地測(cè)定與評(píng)價(jià)我國(guó)上市商業(yè)銀行的財(cái)務(wù)競(jìng)爭(zhēng)力,力求能較為全面、客觀(guān)、真實(shí)的反映我國(guó)上市商業(yè)銀行的競(jìng)爭(zhēng)格局。最后,結(jié)合實(shí)證研究的結(jié)果,文章有針對(duì)性地提出了一系列提升我國(guó)上市商業(yè)銀行財(cái)務(wù)競(jìng)爭(zhēng)力的建議與措施,為商業(yè)銀行保持持續(xù)健康的發(fā)展提供了參考。
[Abstract]:As the global financial crisis is not over and the European debt crisis is intensifying, the global banking competition pattern is still evolving. The enhancement of financial competitiveness is of great significance to the sustainable development of commercial banks. It will be an important problem to be solved urgently to explore how to effectively identify and foster the financial competitiveness of commercial banks. Commercial banks as the most important part of our financial system, the financial competitiveness of banks is not only directly related to the healthy development of commercial banks themselves, but also related to the overall situation of the stability of our financial system. Therefore, the establishment of a scientific and effective index evaluation system to analyze the financial competitiveness of listed commercial banks in China will not only help the commercial banks to find their own shortcomings, but also promote the further deepening of the reform of the financial system. At present, the research on the financial competitiveness of listed commercial banks in China is still in the stage of discussion and exploration, and there is no systematic design idea and concrete scheme. Most of the research on financial competitiveness of domestic and foreign scholars is aimed at the general enterprises, but there are few in-depth studies on the financial competitiveness of commercial banks. Moreover, the research on the financial competitiveness of commercial banks is often aimed at state-owned banks. City commercial banks and other specific types of commercial banks are not conducive to the grasp of the overall financial competitiveness of listed commercial banks in China, nor is it convenient to compare the financial competitiveness of different types of commercial banks. Therefore, on the basis of the theory of financial competitiveness, combined with the characteristics of listed commercial banks in China, the paper selects 15 representative financial indicators, respectively from the profitability, risk management ability, The evaluation system of financial competitiveness of Chinese listed commercial banks is constructed in four aspects of developing innovation ability and scale strength. Taking 16 listed commercial banks in China as a sample, the relevant data from 2009-2011 are selected. The financial competitiveness of listed commercial banks in our country is determined and evaluated quantitatively by AHP, in order to reflect the competition pattern of listed commercial banks in China in a more comprehensive, objective and true way. Finally, combined with the results of empirical research, the paper puts forward a series of suggestions and measures to improve the financial competitiveness of listed commercial banks in China, which provides a reference for the commercial banks to maintain a healthy and sustainable development.
【學(xué)位授予單位】：天津財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類(lèi)號(hào)】：F275;F832.33

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