本文關鍵詞： 商業(yè)銀行國際競爭力 競爭力指數(shù) 股東價值 資產(chǎn)價值 品牌價值　出處：《湖南大學》2012年碩士論文　論文類型：學位論文

【摘要】：經(jīng)過十幾年艱苦卓絕的金融業(yè)改革，，在規(guī)模、利潤、市值等各方面，中資銀行都取得了驕人的成績，從曾被海外認為是技術性破產(chǎn)轉(zhuǎn)變?yōu)楝F(xiàn)在的讓全球刮目相看。然而，“最賺錢銀行”并不等于“最具競爭力銀行”，外源性因素引致的“高門檻”和內(nèi)源性因素引致的“低吸引力”使得中資銀行在國際上處于一種尷尬的地位。中國銀行業(yè)仍面臨收入結(jié)構(gòu)單一、盈利模式過分依賴于存貸利差等問題。在市值最大化已成為上市銀行競爭新標桿的背景下，從市值管理角度出發(fā)研究中國商業(yè)銀行的國際競爭力，具有十分重要的意義。 本文首先從市值管理的視角，清晰地界定了商業(yè)銀行國際競爭力的內(nèi)涵，即股東價值最大化、資產(chǎn)價值最大化和品牌價值最大化；提出了市值管理通過公司治理效應提升股東價值、通過創(chuàng)新增值效應提升資產(chǎn)價值、以及通過品牌溢價效應提升品牌價值的三大機理。其次，重點分析了中國商業(yè)銀行入世以來取得的成就以及存在的問題。再次，通過熵權(quán)法構(gòu)建商業(yè)銀行國際競爭力指數(shù)，對全球35家主要商業(yè)銀行2009—2012年的數(shù)據(jù)進行分析，給出全球主流銀行國際競爭力的評價，得出“商業(yè)銀行規(guī)模最大不等于競爭力最強”、“中國商業(yè)銀行品牌價值存在嚴重短板”、“金融危機中中國銀行業(yè)業(yè)績相對領先”、“后危機時代中國股份制銀行競爭力顯著下滑”、“中國商業(yè)銀行面臨新興經(jīng)濟體的多重威脅”五大結(jié)論。最后，從市值管理角度出發(fā)提出增強中國商業(yè)銀行國際競爭力的對策建議，中國商業(yè)銀行應通過強化公司治理提升股東價值，通過服務創(chuàng)新、產(chǎn)品創(chuàng)新和機制創(chuàng)新提升資產(chǎn)價值，通過優(yōu)化走出去戰(zhàn)略——全球目標市場本土化戰(zhàn)略來提升品牌價值，從而全面增強商業(yè)銀行國際競爭力。
[Abstract]:After more than ten years of arduous financial industry reform, in the scale, profits, market value and other aspects, Chinese banks have achieved remarkable results. The shift from what was once seen overseas as a technical bankruptcy has become a global sensation. However, "the most profitable bank" does not mean "the most competitive bank". The "high threshold" caused by exogenous factors and the "low attractiveness" caused by endogenous factors make Chinese banks in an awkward position in the world. The Chinese banking industry is still faced with a single income structure. Under the background that market value maximization has become a new benchmark in the competition of listed banks, this paper studies the international competitiveness of Chinese commercial banks from market value management perspective. It is of great significance. Firstly, from the perspective of market value management, this paper clearly defines the connotation of the international competitiveness of commercial banks, that is, the maximization of shareholder value, the maximization of asset value and the maximization of brand value. Put forward the market value management through the corporate governance effect to enhance shareholder value, through innovative value-added effect to enhance the value of assets, and through the brand premium effect to enhance the brand value of the three major mechanisms. Secondly. Focus on the analysis of China's commercial banks since China's accession to the WTO and the existing problems. Thirdly, through the entropy method to build the international competitiveness index of commercial banks. This paper analyzes the data of 35 major commercial banks in the world in 2009-2012, gives the evaluation of the international competitiveness of the global mainstream banks, and draws the conclusion that "the largest scale of commercial banks is not the strongest competitive power". "the brand value of Chinese commercial banks has a serious weakness", "the performance of China's banking industry is relatively leading in the financial crisis", and "the competitiveness of China's joint-stock banks has declined significantly in the post-crisis era". Finally, from the perspective of market value management, the author puts forward countermeasures and suggestions to enhance the international competitiveness of Chinese commercial banks. China's commercial banks should enhance shareholder value through strengthening corporate governance, promote asset value through service innovation, product innovation and mechanism innovation. By optimizing the strategy of going out-the localization strategy of global target market to enhance the brand value, so as to enhance the international competitiveness of commercial banks.
【學位授予單位】：湖南大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：F832.33

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