本文選題：股份制商業(yè)銀行　切入點：競爭力　出處：《云南師范大學》2014年碩士論文

【摘要】：金融是現(xiàn)代經(jīng)濟的核心組成部分，在社會和經(jīng)濟發(fā)展中發(fā)揮著至關重要的作用。金融體系是否穩(wěn)定與健康，直接關系到整個國民經(jīng)濟能否又好又快的發(fā)展，甚至關系到整個社會的安定，金融是經(jīng)濟民生的命脈所在。目前我國的融資結(jié)構(gòu)主要是以間接融資為主，銀行是整個經(jīng)濟體系中重要的資金融通渠道，占據(jù)著金融體系的主導地位。股份制商業(yè)銀行作為我國銀行業(yè)金融機構(gòu)的分支，伴隨著中國經(jīng)濟的發(fā)展快速成長，已經(jīng)成為組成我國銀行業(yè)金融體系的重要部分，，極大的支持了中小企業(yè)和地方經(jīng)濟的發(fā)展。股份制商業(yè)銀行的改革與創(chuàng)新為我國銀行業(yè)的改革發(fā)展作出了巨大的貢獻。 隨著我國金融市場愈加開放，越來越多的外資商業(yè)銀行分支機構(gòu)在中國建立，經(jīng)驗豐富且資金雄厚的外資銀行給股份制商業(yè)銀行帶來了巨大的沖擊；另外，利率市場化的穩(wěn)步推進和金融脫媒現(xiàn)象的加劇，極大的壓縮了股份制商業(yè)銀行的盈利空間。面對強勁的競爭對手和不利的市場環(huán)境，股份制商業(yè)銀行唯有通過科學有效的分析自身的優(yōu)劣勢，通過不斷的彌補自身的不足，從而增強競爭力獲得更大的市場空間。 本文以12家股份制商業(yè)銀行為研究對象，另外還選取5家國有商業(yè)銀行作為比較對象，通過建立科學有效的評價指標體系，運用SPSS軟件和因子分析法對各股份制商業(yè)銀行的競爭力進行了全面的研究分析。通過分析和比較，了解到各股份制商業(yè)銀行的優(yōu)劣勢和特點所在，并有針對性的提出提升股份制商業(yè)銀行競爭力的策略，以期提高其競爭力，并保持金融市場的穩(wěn)定，從而更好的服務于中國經(jīng)濟的快速發(fā)展。
[Abstract]:Finance is the core component of modern economy, plays a vital role in the development of society and economy. The financial system is stable and healthy, is directly related to the development of the whole national economy can better and faster, and even related to the stability of the whole society, finance is the lifeblood of the economy and the people's livelihood. The current financing structure of our country mainly is based on indirect financing, bank financing channels is important in the whole economic system, occupies a dominant position in the financial system. As a branch of joint-stock commercial banks in China's banking financial institutions, along with the development of Chinese rapid economic growth, has become an important part of financial system of China's banks, great support the development of small and medium-sized enterprises and local economy. Made a great contribution to the reform and development of the reform and innovation of joint-stock commercial banks in China's banking industry.
As China's financial markets become more open, foreign commercial bank branches in more and more China established, experienced and well funded foreign banks to joint-stock commercial banks a huge impact; in addition, steadily and financial disintermediation interest rate market intensifies, has greatly reduced the profitability of joint-stock commercial banks space. In the face of strong competitors and unfavorable market environment, the joint-stock commercial banks only through their own analysis of the advantages and disadvantages of scientific and effective, through continuous make up for their deficiencies, so as to enhance the competitive force of greater market space.
In this paper, 12 joint-stock commercial banks as the research object, and selects 5 state-owned commercial banks as the comparison object, through the establishment of evaluation index system of scientific and effective use of SPSS software and factor analysis of the competitiveness of joint-stock commercial banks are analyzed comprehensive study. Through analysis and comparison, to understand the the joint-stock commercial bank's advantages and characteristics, and puts forward to enhance the competitiveness of joint-stock commercial bank strategy, in order to improve its competitiveness, and maintain the stability of financial markets, the rapid development in order to better serve the Chinese economy.

【學位授予單位】：云南師范大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.33

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本文編號：1682348