發(fā)布時間：2018-05-26 13:55

  本文選題：城市商業(yè)銀行 + 競爭力��； 參考：《中國石油大學(xué)（華東）》2013年碩士論文

【摘要】：城市商業(yè)銀行是由20世紀(jì)80年代的城市信用社改制而成，歷經(jīng)機(jī)構(gòu)重組、風(fēng)險處置、管理優(yōu)化等多個發(fā)展階段,城市商業(yè)銀行已經(jīng)發(fā)展成為我國銀行體系的重要組成部分,特別是在地方銀行業(yè)中發(fā)揮著主體性作用,形成了比較大的影響力。 隨著金融同業(yè)競爭加劇、利率市場化改革不斷推進(jìn)、外資銀行大量入駐，城市商業(yè)銀行的經(jīng)營環(huán)境日漸緊迫，其生存和發(fā)展正面臨著嚴(yán)峻的挑戰(zhàn),如何提高自身競爭能力是擺在城市商業(yè)銀行面前的重大課題。建立現(xiàn)代化的城市商業(yè)銀行競爭力評價體系衡量城市商業(yè)銀行的競爭力具有重要的實現(xiàn)意義。 本文首先綜述了國內(nèi)外競爭力的理論和研究成果，著重介紹了AHP方法的基本原理和方法，然后對我國城市商業(yè)銀行產(chǎn)生、改革、發(fā)展的歷程做了簡要概括并分析了我國城市商業(yè)銀行業(yè)自身經(jīng)營的特殊性和面臨的挑戰(zhàn)。在此基礎(chǔ)上，通過德菲爾法篩選出衡量城市商業(yè)銀行競爭力的多項重要指標(biāo)，運用AHP層次分析法對競爭力指標(biāo)評價體系中各重要指標(biāo)的權(quán)重進(jìn)行測算，進(jìn)而建立起城市商業(yè)銀行競爭力的評價體系。然后運用已建立城市商業(yè)銀行競爭力體系，，代入山東省14家城市商業(yè)銀行的數(shù)據(jù)，對城商行競爭力實際測算，得出山東省14家城市商業(yè)銀行的競爭力排名，其中萊商銀行為山東省內(nèi)最具競爭力的城市商業(yè)銀行。通過對14家城市商業(yè)銀行競爭力的比較，可以清晰的看出競爭力強弱不同的城市商業(yè)銀行在各個指標(biāo)上的明顯差距，從而有的放矢的調(diào)整城市商業(yè)銀行經(jīng)營重點，提高自身競爭力；同時有利于熟悉對手，在競爭中不斷尋找和培育自身競爭優(yōu)勢，強化管理、規(guī)范運作、完善公司法人治理結(jié)構(gòu)。
[Abstract]:The city commercial bank is formed by the reform of the city credit cooperative in the 1980s. It has gone through many stages of development, such as organization reorganization, risk management, management optimization and so on. The city commercial bank has developed into an important part of the banking system of our country. Especially in the local banking industry plays a subjective role, forming a relatively large influence. With the intensification of financial interbank competition, the reform of interest rate marketization continues to advance, a large number of foreign banks enter, the operating environment of urban commercial banks is becoming increasingly urgent, and their survival and development are facing severe challenges. How to improve one's own competitive ability is an important subject in front of city commercial banks. It is of great significance to establish a modern evaluation system of the competitiveness of urban commercial banks to measure the competitiveness of urban commercial banks. In this paper, the theory and research results of competitiveness at home and abroad are summarized, and the basic principles and methods of AHP method are emphatically introduced. Then, the emergence and reform of urban commercial banks in China are introduced. The course of development briefly summarizes and analyzes the particularity and challenges of the urban commercial banking industry in China. On this basis, several important indexes to measure the competitiveness of urban commercial banks are selected by using the Defel method, and the weight of each important index in the evaluation system of competitiveness index is calculated by using AHP Analytic hierarchy process (AHP). Furthermore, the evaluation system of the competitiveness of urban commercial banks is established. Then, by using the established competitive power system of urban commercial banks and the data of 14 city commercial banks in Shandong Province, the competitiveness of 14 city commercial banks in Shandong Province is calculated, and the ranking of competitiveness of 14 city commercial banks in Shandong Province is obtained. Among them, Laishang Bank is the most competitive city commercial bank in Shandong Province. By comparing the competitiveness of 14 city commercial banks, we can clearly see the obvious difference in each index of the city commercial banks with different competitiveness, so as to adjust the management focus of urban commercial banks. At the same time, it is beneficial to know the competitors, to find and cultivate their own competitive advantages, to strengthen the management, to standardize the operation, and to perfect the corporate governance structure.
【學(xué)位授予單位】：中國石油大學(xué)（華東）
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.33

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本文編號：1937470