本文選題：城市商業(yè)銀行 + 競爭力評價(jià)　； 參考：《中國海洋大學(xué)》2012年碩士論文

【摘要】：最近幾年，我國中小企業(yè)和私有經(jīng)濟(jì)如雨后春筍般迅猛發(fā)展，這與我國城市商業(yè)銀行提供的融資平臺(tái)是密不可分的。城市商業(yè)銀行是我國在20世紀(jì)90年代改革開放進(jìn)程中為化解城市信用社風(fēng)險(xiǎn)而問世的，是現(xiàn)有銀行業(yè)體系中非常重要的一支力量，是我國發(fā)展市場經(jīng)濟(jì)的一項(xiàng)合理的制度安排。城市商業(yè)銀行起源于我國非公有制經(jīng)濟(jì)的發(fā)展，并在促進(jìn)地區(qū)經(jīng)濟(jì)的發(fā)展、深化金融體制改革、維護(hù)社會(huì)穩(wěn)定等方面日顯其重要性。 伴隨著我國金融體制改革步伐的加快以及經(jīng)濟(jì)的進(jìn)一步全球化，城市商業(yè)銀行的國內(nèi)生存發(fā)展環(huán)境正在發(fā)生深刻的變化：四大國有商業(yè)銀行上市、股份制商業(yè)銀行擴(kuò)張，郵政儲(chǔ)蓄銀行和農(nóng)村信用社進(jìn)一步改革。此外，城市商業(yè)銀行還要迎接國際強(qiáng)手的各種挑戰(zhàn)。面對這樣激烈的競爭局勢，我國城市商業(yè)銀行的唯一出路就是提升自身的競爭能力。而事實(shí)上，城市商業(yè)銀行與我國現(xiàn)有的其他形式的銀行相比，具有區(qū)域性和面向中小企業(yè)的局限，并且在政府的政策支持上、自身的資產(chǎn)規(guī)模以及科技能力等很多方面都表現(xiàn)出各種劣勢。因此，在競爭日益激烈、各種挑戰(zhàn)充斥的我國銀行業(yè)中，城市商業(yè)銀行作為這樣一個(gè)特殊的主體要謀求更大的發(fā)展必須以更快的速度提升自身的競爭能力。 本文首先研究了競爭力的相關(guān)理論，以及銀行競爭力的形成機(jī)制和影響因素，并參照企業(yè)競爭力的涵義，結(jié)合我國城市商業(yè)銀行自身的區(qū)域特點(diǎn)對城市商業(yè)銀行的競爭力作出界定。在此基礎(chǔ)上，構(gòu)建了我國城市商業(yè)銀行競爭力的評價(jià)指標(biāo)體系。同時(shí)，，根據(jù)我國城市商業(yè)銀行的發(fā)展現(xiàn)狀，抽取了具有代表性的17家沿海及附近地區(qū)的城市商業(yè)銀行，并根據(jù)數(shù)據(jù)的特點(diǎn)分別選擇了因子分析法來分析顯性競爭力，選擇層次分析法來對隱性競爭力進(jìn)行實(shí)證分析。通過實(shí)證得到各銀行這兩方面競爭力的得分并予以排名。通過實(shí)證研究發(fā)現(xiàn)：競爭力表現(xiàn)較好的城市商業(yè)銀行有著共同的特點(diǎn)：市場定位明確；員工的文化水平較高，創(chuàng)新能力強(qiáng)，能靈活的根據(jù)市場需求開發(fā)具有競爭優(yōu)勢的金融產(chǎn)品；公司本身的較為先進(jìn)的治理結(jié)構(gòu)以及相對較強(qiáng)的風(fēng)險(xiǎn)控制能力。此外，從得分較低的城市商業(yè)銀行的表現(xiàn)來看，不明確的市場定位、過于集中的股權(quán)、不合理的公司治理結(jié)構(gòu)和較低的員工素質(zhì)等因素都是制約其進(jìn)一步發(fā)展的瓶頸。最后，本文提出了提升我國城市商業(yè)銀行提高競爭力的對策：明確市場定位，提供專業(yè)化服務(wù)，加強(qiáng)人才建設(shè)與金融創(chuàng)新，完善公司治理結(jié)構(gòu)并提高風(fēng)險(xiǎn)管理和營運(yùn)能力。
[Abstract]:In recent years, small and medium-sized enterprises and private economy in China have been developing rapidly, which is closely related to the financing platform provided by the city commercial banks.The city commercial bank came out in the process of reforming and opening up in the 1990s in order to resolve the risk of the city credit cooperative. It is a very important force in the present banking system and a reasonable institutional arrangement for the development of the market economy in our country.Urban commercial banks originated from the development of non-public ownership economy of our country, and they are more and more important in promoting the development of regional economy, deepening the reform of financial system, maintaining social stability and so on.With the acceleration of the reform of our financial system and the further globalization of the economy, the domestic living and development environment of the urban commercial banks is undergoing profound changes: the listing of the four major state-owned commercial banks, the expansion of the joint-stock commercial banks,Postal savings Bank and Rural Credit Cooperatives were further reformed.In addition, city commercial banks have to meet the challenges of international power.In the face of such a fierce competition situation, the only way out for our city commercial banks is to enhance their own competitiveness.In fact, compared with other forms of banks in China, urban commercial banks have regional and SME oriented limitations, and in terms of government policy support,Its own asset size and scientific and technological capabilities and many other aspects have shown a variety of weaknesses.Therefore, in the increasingly fierce competition and various challenges of China's banking industry, urban commercial banks, as such a special subject to seek greater development, must improve their competitiveness at a faster speed.This paper first studies the relevant theories of competitiveness, the formation mechanism and influencing factors of bank competitiveness, and refers to the meaning of enterprise competitiveness.Combined with the regional characteristics of the city commercial banks in China, the competitiveness of the city commercial banks is defined.On this basis, the evaluation index system of the competitiveness of urban commercial banks in China is constructed.At the same time, according to the development of urban commercial banks in China, 17 representative urban commercial banks in coastal and nearby areas are selected, and factor analysis method is selected to analyze the dominant competitiveness according to the characteristics of the data.Choose the analytic hierarchy process to carry on the demonstration analysis to the recessive competition ability.Through empirical analysis, we get the score and rank of each bank in these two aspects of competitiveness.Through empirical research, it is found that city commercial banks with good competitive performance have common characteristics: clear market positioning, high level of staff culture, strong innovation ability.Can flexibly develop the financial products with competitive advantage according to the market demand; the company itself has the more advanced governance structure and the relatively strong risk control ability.In addition, in terms of the performance of urban commercial banks with low scores, such factors as unclear market positioning, excessive concentration of equity, unreasonable corporate governance structure and low employee quality are the bottlenecks to its further development.Finally, this paper puts forward the countermeasures to enhance the competitiveness of our country's urban commercial banks: defining the market position, providing specialized services, strengthening the talent construction and financial innovation, perfecting the corporate governance structure and improving the risk management and operation ability.
【學(xué)位授予單位】：中國海洋大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.33;F224

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