基于因子分析的國際大型商業(yè)銀行競爭力研究
發(fā)布時間：2018-10-14 17:09
【摘要】：2006年底我國金融業(yè)全面對外開放以來，商業(yè)銀行之間的競爭日趨激烈。一方面，國內(nèi)商業(yè)銀行要面臨來自于陸續(xù)進入國內(nèi)市場的大量國際一流的外資銀行的競爭；另一方面，隨著傳統(tǒng)國有銀行股份制改造的相繼完成，實力雄厚的國有銀行轉(zhuǎn)型成為真正意義上的商業(yè)銀行，與國內(nèi)股份制銀行、城市商業(yè)銀行之間展開了同業(yè)競爭。與此同時，金融脫媒態(tài)勢凸顯，利率市場化進程加速，我國銀行業(yè)進入了全面對外開放和全面競爭的時代，不僅要應(yīng)對國外內(nèi)同業(yè)競爭，還要面臨自身持續(xù)發(fā)展的壓力。在這種形勢下，如何提升我國銀行業(yè)可持續(xù)競爭力，推動我國銀行業(yè)與國際接軌極具研究價值和現(xiàn)實意義。 本文在關(guān)于商業(yè)銀行競爭力現(xiàn)有的研究成果和理論基礎(chǔ)上，分析和吸收得出商業(yè)銀行競爭力的內(nèi)涵，并參照國內(nèi)外已有的商業(yè)銀行競爭力評價指標設(shè)計，遵循科學(xué)性、可比性、可操作性等原則，構(gòu)建了一套具有可操作性的商業(yè)銀行競爭力評價指標體系。在此基礎(chǔ)上選取了具有一定代表性的30家國際大型商業(yè)銀行作為研究對象，，收集并整理了各大銀行2011年度的財務(wù)數(shù)據(jù)作為研究樣本數(shù)據(jù)。然后運用SPSS19.0統(tǒng)計軟件對原始數(shù)據(jù)進行因子分析，提取了盈利與安全因子、創(chuàng)新與管理因子、規(guī)模實力因子和風(fēng)險抵御因子等四個主因子。通過各因子得分對樣本銀行進行排名，結(jié)果顯示我國的五家大型商業(yè)銀行在盈利與安全因子和規(guī)模因子上表現(xiàn)突出，在風(fēng)險抵御因子上表現(xiàn)平平，在創(chuàng)新與管理因子上表現(xiàn)不佳。綜合排名顯示，我國大型商業(yè)銀行與國際同業(yè)比較已具備了一定的競爭力，但與國外先進的一流大型商業(yè)銀行相比還有差距，有待于進一步提升競爭力。最后本文建議我國商業(yè)銀行可以從增強規(guī)模實力、提升盈利能力、提高風(fēng)險管理能力以及加強持續(xù)發(fā)展能力等方面提升競爭力。
[Abstract]:Since China's financial industry opened to the outside world at the end of 2006, the competition among commercial banks has become increasingly fierce. On the one hand, domestic commercial banks have to face competition from a large number of international first-class foreign banks entering the domestic market one after another; on the other hand, with the completion of the joint-stock system transformation of traditional state-owned banks, The powerful state-owned banks have transformed into real commercial banks, competing with domestic joint-stock banks and urban commercial banks. At the same time, the financial disintermediation situation is prominent, the interest rate marketization process accelerates, our country's banking industry has entered the era of all-around opening up and comprehensive competition, not only to deal with the foreign and domestic competition, but also to face the pressure of its own sustainable development. In this situation, how to improve the sustainable competitiveness of China's banking industry and promote the international integration of our banking industry is of great research value and practical significance. On the basis of the existing research results and theories on the competitiveness of commercial banks, this paper analyzes and absorbs the connotation of competitiveness of commercial banks, and designs the evaluation indexes of competitiveness of commercial banks at home and abroad. On the principle of maneuverability, a set of operable evaluation index system of commercial bank's competitiveness is constructed. On this basis, 30 representative international large commercial banks are selected as the research object, and the financial data of the major banks in 2011 are collected and collated as the sample data. Then we use the SPSS19.0 software to analyze the original data and extract four main factors: profit and security factor, innovation and management factor, scale strength factor and risk resistance factor. The results show that the five large commercial banks in our country are outstanding in profit and safety factors and scale factors, and are mediocre in risk resistance factors. Poor performance in innovation and management factors. The comprehensive ranking shows that China's large commercial banks have a certain degree of competitiveness compared with the international counterparts, but there is still a gap with the foreign advanced first-class large commercial banks, which needs to be further improved. Finally, this paper suggests that Chinese commercial banks can enhance their competitiveness from the aspects of scale strength, profitability, risk management and sustainable development.
【學(xué)位授予單位】：華中科技大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F831.2
本文編號：2271077
[Abstract]:Since China's financial industry opened to the outside world at the end of 2006, the competition among commercial banks has become increasingly fierce. On the one hand, domestic commercial banks have to face competition from a large number of international first-class foreign banks entering the domestic market one after another; on the other hand, with the completion of the joint-stock system transformation of traditional state-owned banks, The powerful state-owned banks have transformed into real commercial banks, competing with domestic joint-stock banks and urban commercial banks. At the same time, the financial disintermediation situation is prominent, the interest rate marketization process accelerates, our country's banking industry has entered the era of all-around opening up and comprehensive competition, not only to deal with the foreign and domestic competition, but also to face the pressure of its own sustainable development. In this situation, how to improve the sustainable competitiveness of China's banking industry and promote the international integration of our banking industry is of great research value and practical significance. On the basis of the existing research results and theories on the competitiveness of commercial banks, this paper analyzes and absorbs the connotation of competitiveness of commercial banks, and designs the evaluation indexes of competitiveness of commercial banks at home and abroad. On the principle of maneuverability, a set of operable evaluation index system of commercial bank's competitiveness is constructed. On this basis, 30 representative international large commercial banks are selected as the research object, and the financial data of the major banks in 2011 are collected and collated as the sample data. Then we use the SPSS19.0 software to analyze the original data and extract four main factors: profit and security factor, innovation and management factor, scale strength factor and risk resistance factor. The results show that the five large commercial banks in our country are outstanding in profit and safety factors and scale factors, and are mediocre in risk resistance factors. Poor performance in innovation and management factors. The comprehensive ranking shows that China's large commercial banks have a certain degree of competitiveness compared with the international counterparts, but there is still a gap with the foreign advanced first-class large commercial banks, which needs to be further improved. Finally, this paper suggests that Chinese commercial banks can enhance their competitiveness from the aspects of scale strength, profitability, risk management and sustainable development.
【學(xué)位授予單位】：華中科技大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F831.2
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