本文關(guān)鍵詞：基于組合分析法的我國(guó)上市商業(yè)銀行競(jìng)爭(zhēng)力研究　出處：《貴州財(cái)經(jīng)大學(xué)》2014年碩士論文　論文類(lèi)型：學(xué)位論文

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【摘要】：我國(guó)金融業(yè)不斷加大結(jié)構(gòu)調(diào)整力度，在戰(zhàn)略調(diào)整與產(chǎn)品創(chuàng)新中穩(wěn)步發(fā)展，實(shí)現(xiàn)效益與規(guī)模、質(zhì)量與速度的同步增長(zhǎng)，綜合競(jìng)爭(zhēng)力進(jìn)一步提高。對(duì)銀行業(yè)而言，一方面，我國(guó)經(jīng)濟(jì)社會(huì)發(fā)展的基本面長(zhǎng)期趨好，為銀行業(yè)持續(xù)健康發(fā)展創(chuàng)造了有利條件；另一方面，在外部沖擊和內(nèi)部轉(zhuǎn)型的壓力下，銀行業(yè)面臨的風(fēng)險(xiǎn)日趨復(fù)雜，風(fēng)險(xiǎn)管控的挑戰(zhàn)日益加大。 金融業(yè)是經(jīng)濟(jì)的核心，商業(yè)銀行是金融體系的主體。銀行高效的運(yùn)作體系既可以優(yōu)化資源配置、促進(jìn)經(jīng)濟(jì)增長(zhǎng)方式的轉(zhuǎn)變、助力于產(chǎn)業(yè)結(jié)構(gòu)的升級(jí)，又可實(shí)現(xiàn)經(jīng)濟(jì)的可持續(xù)發(fā)展。上市商業(yè)銀行是銀行業(yè)充滿活力的一部分，商業(yè)銀行競(jìng)爭(zhēng)力的提高對(duì)我國(guó)經(jīng)濟(jì)的發(fā)展起著舉足輕重的作用。在理論和實(shí)踐的基礎(chǔ)上，建立對(duì)上市商業(yè)銀行競(jìng)爭(zhēng)力科學(xué)合理的評(píng)價(jià)體系，對(duì)商業(yè)銀行競(jìng)爭(zhēng)力進(jìn)行評(píng)價(jià)，簡(jiǎn)化銀行競(jìng)爭(zhēng)力分析涉及的復(fù)雜關(guān)系，建立科學(xué)的商業(yè)銀行競(jìng)爭(zhēng)力評(píng)價(jià)指標(biāo)體系，不但擴(kuò)充了我國(guó)對(duì)銀行競(jìng)爭(zhēng)力的研究成果，而且還完善了我國(guó)商業(yè)銀行的評(píng)價(jià)機(jī)制�？梢砸龑�(dǎo)我國(guó)商業(yè)銀行抓住機(jī)遇、制訂符合自身?xiàng)l件的市場(chǎng)定位、用更好的產(chǎn)品和更強(qiáng)的服務(wù)來(lái)應(yīng)對(duì)金融市場(chǎng)的挑戰(zhàn)。對(duì)我國(guó)未上市和準(zhǔn)備上市的商業(yè)銀行具有有一定的指導(dǎo)意義。 本文通過(guò)對(duì)商業(yè)銀行競(jìng)爭(zhēng)力相關(guān)領(lǐng)域的研究現(xiàn)狀和相關(guān)概念進(jìn)行綜述和界定，建立我國(guó)上市商業(yè)銀行競(jìng)爭(zhēng)力的指標(biāo)評(píng)價(jià)體系。基于我國(guó)16家境內(nèi)上市商業(yè)銀行的數(shù)據(jù)進(jìn)行實(shí)證分析。因主觀賦權(quán)的評(píng)價(jià)方法會(huì)因人為因素造成偏差，而客觀賦權(quán)的評(píng)價(jià)方法又會(huì)忽略指標(biāo)本身的重要程度，故本文采取組合評(píng)價(jià)方法將兩類(lèi)方法結(jié)合起來(lái)，可以相互彌補(bǔ)缺陷，全面地對(duì)銀行競(jìng)爭(zhēng)力作出評(píng)價(jià)。 全文主要分為六個(gè)部分，包括以下內(nèi)容： 第一部分為引言。介紹了選題的背景與意義，本文的研究?jī)?nèi)容、方法和本文的創(chuàng)新點(diǎn)與不足。 第二部分為本文的理論綜述。首先對(duì)企業(yè)競(jìng)爭(zhēng)力的概念和企業(yè)競(jìng)爭(zhēng)力的研究現(xiàn)狀進(jìn)行綜述；在企業(yè)競(jìng)爭(zhēng)力的研究基礎(chǔ)上，對(duì)商業(yè)銀行競(jìng)爭(zhēng)力的概念和相關(guān)文獻(xiàn)進(jìn)行研究分析；最后是對(duì)商業(yè)銀行競(jìng)爭(zhēng)力的影響因素進(jìn)行分析。 第三部分為本文的研究準(zhǔn)備部分。在分析建立商業(yè)銀行競(jìng)爭(zhēng)力指標(biāo)評(píng)價(jià)體系的原則的基礎(chǔ)上、在前人的研究成果基礎(chǔ)上，建立了商業(yè)銀行競(jìng)爭(zhēng)力評(píng)價(jià)指標(biāo)體系，并對(duì)評(píng)價(jià)指標(biāo)做具體解釋。 第四部分為本文的核心部分。這部分是對(duì)我國(guó)上市商業(yè)銀行競(jìng)爭(zhēng)力的實(shí)證分析。先對(duì)競(jìng)爭(zhēng)力的主要評(píng)價(jià)方法進(jìn)行比較分析，全面了解各評(píng)價(jià)方法的優(yōu)劣勢(shì)；其次對(duì)樣本選取的數(shù)據(jù)進(jìn)行規(guī)范化處理；然后分別用層次分析法、灰色關(guān)聯(lián)分析法、主成分分析法和因子分析法對(duì)我國(guó)上市銀行進(jìn)行實(shí)證研究。 第五部分是對(duì)上一部分的總結(jié)概括。介紹了組合評(píng)價(jià)方法的基本概念，并用組合評(píng)價(jià)方法將第四部分的實(shí)證結(jié)果進(jìn)行組合研究，最后得出評(píng)價(jià)結(jié)果。 第六部分是本文的結(jié)論部分。對(duì)之前的研究進(jìn)行總結(jié)，并提出提升我國(guó)商業(yè)銀行競(jìng)爭(zhēng)力的對(duì)策建議。 本文突破以往用單一評(píng)價(jià)方法進(jìn)行實(shí)證研究的局限，綜合考慮主觀賦權(quán)和客觀賦權(quán)評(píng)價(jià)方法的優(yōu)劣性，采用組合評(píng)價(jià)方法對(duì)銀行競(jìng)爭(zhēng)力進(jìn)行全面科學(xué)的評(píng)價(jià)，以期能得到更客觀更真實(shí)的結(jié)論。 本文也存在許多不足。一方面，指標(biāo)的選取還可以更貼近銀行的實(shí)際情況。由于數(shù)據(jù)的獲取途徑及本人能力有限，在評(píng)價(jià)指標(biāo)的設(shè)置上不夠全面。另外，像管理層的素質(zhì)、銀行的經(jīng)營(yíng)理念等對(duì)商業(yè)銀行的競(jìng)爭(zhēng)力會(huì)產(chǎn)生影響的指標(biāo)，由于無(wú)法進(jìn)行定量分析，也不得不棄用。由于筆者知識(shí)有限，，文中難免出現(xiàn)錯(cuò)誤和疏漏之處，懇請(qǐng)各位考試學(xué)者不吝賜教。在此，筆者表示衷心的感謝！
[Abstract]:China's financial industry continue to intensify structural adjustment, steady development in the strategic adjustment and product innovation, and realize the benefit of scale, quality and speed of synchronous growth, further improve the comprehensive competitiveness. For the banks, on the one hand, the fundamentals of China's economic and social development of the long-term increase, the banking industry continued healthy development created favorable conditions; on the other hand, in the impact of external and internal transformation under pressure, the risks faced by the banking sector risk management is becoming more and more complex, more and more challenges.
The financial industry is the core of economy, commercial banks are the main body of the financial system. The bank and efficient operation of the system can not only optimize the allocation of resources, promote the transformation of economic growth mode, to boost the upgrading of the industrial structure and the sustainable development of economy can be realized. The listed commercial bank is a part of the silver industry full of vitality and competitiveness of commercial banks to improve the development of China's economy plays a very important role. On the basis of theory and practice, the establishment of the listed commercial banks competitiveness evaluation system of scientific and reasonable evaluation of the competitiveness of commercial banks, to simplify the analysis of the complicated relationship of bank competitiveness, the establishment of commercial banks competitiveness evaluation index system of science, not only expands in China Research on bank competitiveness, but also improve the evaluation mechanism of China's commercial bank. Can guide the Commercial Bank of our country to seize the opportunity for To set up a market positioning that accords with its own conditions, to deal with the challenges of financial market with better products and stronger services, and to have some guiding significance for China's Unlisted and ready to be listed commercial banks.
This paper reviewed the definition and research status of the competitiveness of commercial banks in related fields and related concepts, establish the evaluation index system of the competitiveness of listed commercial banks. The empirical analysis of China's 16 domestic listed commercial banks based on the data. Because of the subjective evaluation method will be caused by human factors and objective evaluation method of deviation. The weight will ignore the important degree of the index itself, so this paper adopt the combination evaluation method of two kinds of methods can be combined with each other to make up for deficiencies, comprehensively evaluate the competitiveness of the bank.
The full text is divided into six parts, including the following:
The first part is the introduction. It introduces the background and significance of the topic, the content, the method, the innovation and the deficiency of this article.
The second part is the theoretical review of this article. Firstly, reviewed the research status and the concept of enterprise competitiveness and the competitiveness of enterprises; on the basis of research on the competitiveness of enterprises, research and analysis of the concept of the competitiveness of commercial banks and related documents; finally the influence factors of commercial bank competitiveness were analyzed.
The third part is the preparation part of this paper. Based on the analysis of the principles of establishing the evaluation index system of competitiveness index of commercial banks, based on the previous research results, the evaluation index system of competitiveness of commercial banks is established, and the evaluation index is explained concretely.
The fourth part is the core part of this paper. This part is the empirical analysis of the competitiveness of listed commercial banks. First, the main evaluation of the competitiveness of the methods of comparative analysis, a comprehensive understanding of the advantages and disadvantages of each evaluation method; secondly, normalizing the selected sample data; then use the analytic hierarchy process, grey correlation analysis method, principal component analysis and factor analysis of China's listed banks by empirical research.
The fifth part is the summary of the previous part. It introduces the basic concepts of the combined evaluation method, and combines the fourth part empirical results with the combination evaluation method, and finally obtains the evaluation results.
The sixth part is the conclusion of this article. It summarizes the previous research and puts forward the countermeasures and suggestions to improve the competitiveness of China's commercial banks.
This paper breaks through the limitations of previous single empirical research. Considering the advantages and disadvantages of subjective weighting and objective weighting evaluation method, a comprehensive and scientific evaluation of bank competitiveness is made by combinatorial evaluation method, in order to get more objective and more realistic conclusions.
In this paper, there are also many deficiencies. On the one hand, the selection of indicators can also be closer to the actual situation of the bank. Because of access to data and my limited ability, the evaluation indexes setting is not comprehensive enough. In addition, as the quality of management, the competitiveness of the bank management idea of commercial bank will affect the index due to the lack of quantitative analysis, and also to be used. Because of the limited knowledge, there might be mistakes and errors, please. Here the author exam scholar generous with your criticism to express my heartfelt thanks!

【學(xué)位授予單位】：貴州財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F832.33

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