本文選題：商業(yè)銀行 + 競(jìng)爭(zhēng)力��； 參考：《東北財(cái)經(jīng)大學(xué)》2013年碩士論文

【摘要】：本文研究的主題是商業(yè)銀行的競(jìng)爭(zhēng)力評(píng)價(jià)。競(jìng)爭(zhēng)力做為一個(gè)決定銀行長(zhǎng)期的發(fā)展趨勢(shì)和競(jìng)爭(zhēng)優(yōu)勢(shì)的重要因素,一直是一個(gè)極具挑戰(zhàn)性的研究課題,不僅僅被從事具體經(jīng)營(yíng)的銀行家們一直所關(guān)注,目前還是管理學(xué)家們和經(jīng)濟(jì)學(xué)家們研究的熱點(diǎn)問(wèn)題。為了更加形象的對(duì)商業(yè)銀行競(jìng)爭(zhēng)力進(jìn)行一個(gè)排序,本文運(yùn)用灰色關(guān)聯(lián)模型對(duì)全球25家銀行進(jìn)行研究分析,以期望為商業(yè)銀行未來(lái)的改革發(fā)展之路提供有益的借鑒。 首先,本文對(duì)國(guó)內(nèi)外商業(yè)銀行競(jìng)爭(zhēng)力的研究進(jìn)行系統(tǒng)的梳理,從競(jìng)爭(zhēng)力,效率,管理風(fēng)險(xiǎn)三個(gè)角度出發(fā),隸述了國(guó)內(nèi)外經(jīng)濟(jì)學(xué)家們對(duì)商業(yè)銀行競(jìng)爭(zhēng)力的研究成果。 其次,本文對(duì)何為商業(yè)銀行競(jìng)爭(zhēng)力這一概念進(jìn)行了描述,從企業(yè)競(jìng)爭(zhēng)力理論開(kāi)始,由時(shí)間的前后發(fā)展順序?yàn)橐劳?得出銀行競(jìng)爭(zhēng)力是企業(yè)競(jìng)爭(zhēng)力的一個(gè)拓展。緊接著對(duì)與銀行競(jìng)爭(zhēng)力有關(guān)連的的理論進(jìn)行了闡述,為商業(yè)銀行競(jìng)爭(zhēng)力評(píng)價(jià)體系打下了理論基礎(chǔ)。 第三,本文運(yùn)用灰色關(guān)聯(lián)模型對(duì)商業(yè)銀行競(jìng)爭(zhēng)力進(jìn)行評(píng)價(jià)和排序,希望通過(guò)模型的優(yōu)勢(shì),避免在研究時(shí)確定指標(biāo)權(quán)重主觀性太強(qiáng)、評(píng)價(jià)時(shí)要求樣本數(shù)據(jù)較大及樣本須服從典型概率分布等問(wèn)題的發(fā)生。文中對(duì)灰色關(guān)聯(lián)模型的使用,參數(shù)的選取、權(quán)重的確定給出了詳細(xì)的公式步驟。然后,選取世界上25家大型商業(yè)銀行2012年的運(yùn)營(yíng)財(cái)務(wù)數(shù)據(jù),對(duì)數(shù)據(jù)進(jìn)行規(guī)范化處理后,開(kāi)始建立模型分析,最終得出一個(gè)基于這25家銀行的競(jìng)爭(zhēng)力排序。 最后,本文對(duì)基于25家銀行的競(jìng)爭(zhēng)力排序結(jié)果進(jìn)行了結(jié)論分析,希望找出更好提高商業(yè)銀行競(jìng)爭(zhēng)力的建議。 本文有以下幾個(gè)方面的創(chuàng)新：一是系統(tǒng)的對(duì)當(dāng)下比較熱點(diǎn)的競(jìng)爭(zhēng)力研究文獻(xiàn)進(jìn)行了歸納和總結(jié),以此作為本文的理論基礎(chǔ)。然后,加入了相關(guān)的金融學(xué)和經(jīng)濟(jì)學(xué)理論,構(gòu)建本文所需要的商業(yè)銀行競(jìng)爭(zhēng)力理論框架；二是借鑒已有資料幫助,運(yùn)用用灰色關(guān)聯(lián)分析法建立商業(yè)銀行競(jìng)爭(zhēng)力的評(píng)價(jià)模型,以期望避免現(xiàn)有研究中確定指標(biāo)權(quán)重時(shí)主觀性太強(qiáng)、評(píng)價(jià)時(shí)要求樣本數(shù)據(jù)較大及樣本須服從典型概率分布等問(wèn)題的發(fā)生；三是對(duì)世界25家銀行進(jìn)行了數(shù)據(jù)處理、實(shí)證分析,并在此基礎(chǔ)上,提出了自己的結(jié)論分析。
[Abstract]:The theme of this paper is the competitiveness evaluation of commercial banks. As an important factor to determine the long-term development trend and competitive advantage of banks, competitiveness has been a very challenging research topic, not only has been engaged in specific business bankers have been concerned. At present, management experts and economists are still the focus of research. In order to rank the competitiveness of commercial banks more vividly, this paper uses grey relational model to study and analyze 25 banks around the world, in order to provide useful reference for the future reform and development of commercial banks. Firstly, this paper systematically combs the research on the competitiveness of commercial banks at home and abroad. From the perspectives of competitiveness, efficiency and risk management, this paper describes the research results of domestic and foreign economists on the competitiveness of commercial banks. Secondly, this paper describes the concept of the competitiveness of commercial banks, starting from the theory of enterprise competitiveness, from the time before and after the development of the order of support, it is concluded that the competitiveness of banks is an expansion of the competitiveness of enterprises. Then the theory related to the competitiveness of banks is expounded, which lays a theoretical foundation for the evaluation system of the competitiveness of commercial banks. Third, this paper uses the grey relational model to evaluate and sort the competitiveness of commercial banks, hoping to avoid the subjectivity of determining index weights in the research. Large sample data and typical probability distribution are required for evaluation. In this paper, the use of grey correlation model, the selection of parameters and the determination of weights are given in detail. Then, the operating financial data of 25 large commercial banks in the world in 2012 are selected, and the data are standardized and analyzed, and finally a ranking of competitiveness based on these 25 banks is obtained. Finally, this paper makes a conclusion analysis based on the competitive ranking results of 25 banks, hoping to find out some suggestions to improve the competitiveness of commercial banks. This paper has the following aspects of innovation: first, the current relatively hot research literature on competitiveness is summarized and summarized as the theoretical basis of this paper. Then, it adds the relevant theories of finance and economics to construct the theoretical framework of the competitiveness of commercial banks needed in this paper. The second is to use the existing data to help establish the evaluation model of the competitiveness of commercial banks by using grey relational analysis method. In order to avoid the subjectivity of determining the index weight in the existing research, the evaluation requires the sample data to be large and the sample must obey the typical probability distribution. Thirdly, 25 banks in the world are treated with the data, and the empirical analysis is carried out. On the basis of this, the author puts forward his own conclusion and analysis.
【學(xué)位授予單位】：東北財(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)】：F832.33;F224

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