【摘要】：伴隨著內(nèi)外部經(jīng)濟(jì)形勢變化，我國商業(yè)銀行面臨著新的競爭環(huán)境，競爭力提升面臨著經(jīng)濟(jì)全球化、利率市場化等多種新的挑戰(zhàn)。 國有商業(yè)銀行的二級分行，是總行戰(zhàn)略的重要執(zhí)行者，處于戰(zhàn)略實(shí)施的中觀層面，承上啟下，競爭力狀況對整個商業(yè)銀行有著重大的影響。 本文以中國建設(shè)銀行百家中心城市行之一的臺州建行為研究對象，以當(dāng)?shù)厮拇髧猩虡I(yè)銀行二級分行為參照，比較分析該行競爭力狀況。 在充分吸收前人研究的基礎(chǔ)上，建立了競爭力研究三級指標(biāo)體系，一級指標(biāo)體系包含規(guī)模指標(biāo)、能力指標(biāo)、硬實(shí)力指標(biāo)與軟實(shí)力四項(xiàng)指標(biāo)，還包含16個二級指標(biāo)、43個三級指標(biāo)。指標(biāo)體系中既有靜態(tài)指標(biāo)，又有動態(tài)的指標(biāo)，既有顯示資源狀況的硬實(shí)力指標(biāo)，也有體現(xiàn)文化方面的較實(shí)力指標(biāo)，選取的指標(biāo)重點(diǎn)著眼現(xiàn)狀，同時又考慮其潛在的競爭力與未來發(fā)展變化，，使評價體系盡可能做到科學(xué)全面。 本文運(yùn)用網(wǎng)絡(luò)分析法（ANP），通過對ANP分析模型的構(gòu)建、有關(guān)指標(biāo)數(shù)據(jù)的確定，對臺州四大國有商業(yè)銀行競爭力情況進(jìn)行了實(shí)證分析，得出四行競爭力的排序結(jié)果，以及臺州建行競爭力結(jié)論。研究表明，與其他三大行相比，臺州建行在業(yè)務(wù)規(guī)模、客戶數(shù)量、渠道建設(shè)、人員總量、資產(chǎn)質(zhì)量、案件防控等方面還比較落后，這也是臺州建行競爭力較弱的主要原因。在對該行短腿指標(biāo)、發(fā)展環(huán)境、優(yōu)勢指標(biāo)進(jìn)一步深入分析的基礎(chǔ)上，提出了臺州建行競爭力提升的五點(diǎn)措施，包括加強(qiáng)隊(duì)伍建設(shè)、推進(jìn)渠道建設(shè)、推廣運(yùn)用新產(chǎn)品、加大客戶營銷力度、重視風(fēng)險防控等。
[Abstract]:With the changes of internal and external economic situation, Chinese commercial banks are facing new competitive environment, and the promotion of competitiveness is facing many new challenges, such as economic globalization, interest rate marketization and so on. The secondary branch of the state-owned commercial bank is the important executor of the strategy of the head office, which is in the middle level of the implementation of the strategy. The competitive ability of the state-owned commercial bank has a great influence on the whole commercial bank. Taking Taizhou Construction behavior, one of the 100 central cities of China Construction Bank, as the research object, this paper compares and analyzes the competitiveness of the four local state-owned commercial banks' secondary branches. On the basis of absorbing the previous researches, this paper sets up a three-level index system of competitiveness research. The first-level index system includes four indexes: scale index, ability index, hard power index and soft power index, and also includes 16 second-level indexes and 43 third-level indexes. In the index system, there are both static and dynamic indicators, as well as hard strength indicators to show the status of resources, as well as relatively strong indicators to reflect cultural aspects. The selected indicators focus on the current situation. At the same time, considering its potential competitiveness and future development, the evaluation system can be as scientific and comprehensive as possible. This paper analyzes the competitiveness of the four state-owned commercial banks in Taizhou through the construction of ANP analysis model and the determination of relevant index data by means of network analysis (ANP), and obtains the ranking results of the four lines of competitiveness. And Taizhou Construction Bank competitiveness conclusion. The research shows that compared with the other three banks, Taizhou Construction Bank still lags behind in business scale, customer number, channel construction, total personnel, asset quality and case prevention and control, which is also the main reason for Taizhou Construction Bank's weak competitiveness. On the basis of further analysis of the bank's short-leg index, development environment, and superiority index, this paper puts forward five measures to enhance the competitiveness of Taizhou Construction Bank, including strengthening the team building, promoting the channel construction, and popularizing the application of new products. Increase customer marketing efforts, risk prevention and control, and so on.
【學(xué)位授予單位】：寧波大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.33

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