本文關(guān)鍵詞： 商業(yè)銀行國(guó)際競(jìng)爭(zhēng)力 競(jìng)爭(zhēng)力指數(shù) 股東價(jià)值 資產(chǎn)價(jià)值 品牌價(jià)值　出處：《湖南大學(xué)》2012年碩士論文　論文類型：學(xué)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(rùn)、市值等各方面，中資銀行都取得了驕人的成績(jī)，從曾被海外認(rèn)為是技術(shù)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(jìng)爭(zhēng)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(guó)際上處于一種尷尬的地位。中國(guó)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(jìng)爭(zhēng)新標(biāo)桿的背景下，從市值管理角度出發(fā)研究中國(guó)商業(yè)銀行的國(guó)際競(jìng)爭(zhēng)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(guó)際競(jìng)爭(zhēng)力的內(nèi)涵，即股東價(jià)值最大化、資產(chǎn)價(jià)值最大化和品牌價(jià)值最大化；提出了市值管理通過公司治理效應(yīng)提升股東價(jià)值、通過創(chuàng)新增值效應(yīng)提升資產(chǎn)價(jià)值、以及通過品牌溢價(jià)效應(yīng)提升品牌價(jià)值的三大機(jī)理。其次，重點(diǎn)分析了中國(guó)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(guó)際競(jìng)爭(zhēng)力指數(shù)，對(duì)全球35家主要商業(yè)銀行2009—2012年的數(shù)據(jù)進(jìn)行分析，給出全球主流銀行國(guó)際競(jìng)爭(zhēng)力的評(píng)價(jià)，得出“商業(yè)銀行規(guī)模最大不等于競(jìng)爭(zhēng)力最強(qiáng)”、“中國(guó)商業(yè)銀行品牌價(jià)值存在嚴(yán)重短板”、“金融危機(jī)中中國(guó)銀行業(yè)業(yè)績(jī)相對(duì)領(lǐng)先”、“后危機(jī)時(shí)代中國(guó)股份制銀行競(jìng)爭(zhēng)力顯著下滑”、“中國(guó)商業(yè)銀行面臨新興經(jīng)濟(jì)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(qiáng)中國(guó)商業(yè)銀行國(guó)際競(jìng)爭(zhēng)力的對(duì)策建議，中國(guó)商業(yè)銀行應(yīng)通過強(qiáng)化公司治理提升股東價(jià)值，通過服務(wù)創(chuàng)新、產(chǎn)品創(chuàng)新和機(jī)制創(chuàng)新提升資產(chǎn)價(jià)值，通過優(yōu)化走出去戰(zhàn)略——全球目標(biāo)市場(chǎng)本土化戰(zhàn)略來提升品牌價(jià)值，從而全面增強(qiáng)商業(yè)銀行國(guó)際競(jìng)爭(zhēng)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(xué)位授予單位】：湖南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.33

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 喬海曙;王軍華;;品牌經(jīng)營(yíng):銀行競(jìng)爭(zhēng)的戰(zhàn)略制高點(diǎn)[J];財(cái)經(jīng)理論與實(shí)踐;2005年06期

2 鄒新;趙幼力;;國(guó)際銀行業(yè)走勢(shì)分析及其對(duì)中資商業(yè)銀行的啟示[J];金融論壇;2007年05期

3 許南;曾翠;;中外商業(yè)銀行核心競(jìng)爭(zhēng)力的比較[J];金融論壇;2008年01期

4 陳友濱;;銀行跨國(guó)并購(gòu)中的文化差異識(shí)別體系研究[J];金融論壇;2010年05期

5 李盧霞;劉亮;張娜;;銀行國(guó)際化經(jīng)營(yíng)中的文化風(fēng)險(xiǎn)及跨文化管理策略[J];金融論壇;2010年06期

6 溫信祥;王佳佳;;后金融危機(jī)時(shí)期中資銀行國(guó)際化的路徑選擇[J];金融論壇;2010年07期

7 喬海曙;陳娟妮;徐卯曉;;基于“強(qiáng)銀行指數(shù)”的中國(guó)銀行業(yè)從“大”到“強(qiáng)”研究[J];金融論壇;2011年12期

8 施光耀;邵永亮;;市值管理時(shí)代悄然來臨[J];董事會(huì);2007年11期

9 李曉明;;試論公司治理與股東價(jià)值[J];佛山科學(xué)技術(shù)學(xué)院學(xué)報(bào)(社會(huì)科學(xué)版);2007年02期

10 陳雨露;甄峰;;大型商業(yè)銀行國(guó)際競(jìng)爭(zhēng)力:理論框架與國(guó)際比較[J];國(guó)際金融研究;2011年02期

本文編號(hào)：1468771