本文關(guān)鍵詞：基于灰色關(guān)聯(lián)的我國(guó)上市商業(yè)銀行競(jìng)爭(zhēng)力評(píng)價(jià)研究　出處：《西安科技大學(xué)》2014年碩士論文　論文類(lèi)型：學(xué)位論文

  更多相關(guān)文章： 商業(yè)銀行 競(jìng)爭(zhēng)力 灰色關(guān)聯(lián) 層次分析法

【摘要】：隨著中國(guó)加入WTO，，中國(guó)金融逐步與世界接軌，外資銀行也不斷進(jìn)入我國(guó)。同時(shí)，我國(guó)銀行業(yè)面臨著互聯(lián)網(wǎng)金融沖擊，利率市場(chǎng)化改革等復(fù)雜多變的國(guó)內(nèi)金融形勢(shì)，這些都對(duì)我國(guó)商業(yè)銀行競(jìng)爭(zhēng)力的提升產(chǎn)生了重要影響。在這種背景下，商業(yè)銀行如何提高自身經(jīng)營(yíng)管理能力，以求在激烈的競(jìng)爭(zhēng)中保持不敗，是必須認(rèn)真思考的問(wèn)題。而客觀、全面地對(duì)商業(yè)銀行競(jìng)爭(zhēng)力進(jìn)行評(píng)價(jià)，使其明確自身在行業(yè)中所處的地位、不足和改進(jìn)的方向，是商業(yè)銀行提高經(jīng)營(yíng)管理能力、增強(qiáng)競(jìng)爭(zhēng)優(yōu)勢(shì)的前提和重要環(huán)節(jié)。所以，對(duì)商業(yè)銀行競(jìng)爭(zhēng)力進(jìn)行研究具有重要的意義。 本文首先介紹了競(jìng)爭(zhēng)力及銀行競(jìng)爭(zhēng)力的相關(guān)概念及理論。其次，結(jié)合銀行發(fā)展情況，構(gòu)建了包括盈利能力、風(fēng)險(xiǎn)控制能力、發(fā)展能力、市場(chǎng)占有能力、公司治理能力以及創(chuàng)新能力的商業(yè)銀行競(jìng)爭(zhēng)力評(píng)價(jià)指標(biāo)體系。在實(shí)證研究方面，首先采用層次分析法確定指標(biāo)權(quán)重，考慮到銀行競(jìng)爭(zhēng)力及其相關(guān)因素是一個(gè)灰色系統(tǒng)，本文采用灰色關(guān)聯(lián)分析法建立灰色綜合評(píng)價(jià)模型，利用20082012年的面板數(shù)據(jù)，對(duì)我國(guó)上市商業(yè)銀行競(jìng)爭(zhēng)力進(jìn)行排序。隨后，從靜態(tài)角度對(duì)2012年的實(shí)證研究結(jié)果進(jìn)行詳細(xì)分析，再利用20082012年的數(shù)據(jù)，從動(dòng)態(tài)角度分析了上市商業(yè)銀行在這五年內(nèi)競(jìng)爭(zhēng)力的變動(dòng)趨勢(shì)及其內(nèi)在原因，從而進(jìn)一步了解我國(guó)商業(yè)銀行的競(jìng)爭(zhēng)力情況。 實(shí)證研究的結(jié)論和前人的有關(guān)研究相似，符合實(shí)際情況。結(jié)果表明：國(guó)有銀行中建設(shè)銀行和工商銀行的綜合競(jìng)爭(zhēng)力較強(qiáng)，農(nóng)業(yè)銀行最弱；股份制銀行中的招商銀行和民生銀行綜合競(jìng)爭(zhēng)力較強(qiáng)，華夏銀行較弱；城市商業(yè)銀行中的寧波銀行綜合競(jìng)爭(zhēng)力較強(qiáng)。2012年，興業(yè)銀行綜合競(jìng)爭(zhēng)力最強(qiáng)，平安銀行最弱。從整體來(lái)看，我國(guó)上市商業(yè)銀行整體發(fā)展較好，但仍存在資本充足率低、資產(chǎn)質(zhì)量低、創(chuàng)新能力不足以及公司治理結(jié)構(gòu)不夠完善等問(wèn)題。據(jù)此，本文針對(duì)這些問(wèn)題提出了提升我國(guó)商業(yè)銀行競(jìng)爭(zhēng)力的對(duì)策和建議。
[Abstract]:With China's entry into the WTO, Chinese finance is gradually in line with the world, and foreign banks are constantly entering our country. At the same time, China's banking industry is facing the impact of Internet finance. The complex and changeable domestic financial situation such as interest rate market-oriented reform has had an important impact on the competitiveness of Chinese commercial banks. Under this background, commercial banks how to improve their management ability. In order to maintain undefeated in the fierce competition, it is necessary to seriously consider the issue. And objectively and comprehensively to evaluate the competitiveness of commercial banks, so as to make clear their position in the industry, deficiencies and direction of improvement. It is the premise and important link for commercial banks to improve their management ability and enhance their competitive advantage. Therefore, it is of great significance to study the competitiveness of commercial banks. This paper first introduces the relevant concepts and theories of competitiveness and competitiveness of banks. Secondly, combined with the development of banks, it constructs the ability of profitability, risk control, development and market possession. Corporate governance ability and innovation ability of commercial banks competitiveness evaluation index system. In the empirical study, the first use of AHP to determine the index weight. Considering that the competitiveness of banks and its related factors is a grey system, the grey relational analysis method is used to establish the grey comprehensive evaluation model, and the panel data from 2008 to 2012 are used. The competitiveness of listed commercial banks in China is ranked. Then, from the static point of view, the empirical research results of 2012 are analyzed in detail, and then the data from 2008 to 2012 are used. This paper analyzes the changing trend of the competitiveness of listed commercial banks in the past five years and its internal reasons from the dynamic point of view, so as to further understand the competitiveness of commercial banks in China. The conclusions of the empirical study are similar to those of previous studies and accord with the actual situation. The results show that the comprehensive competitiveness of China Construction Bank and Industrial and Commercial Bank of China is stronger than that of Agricultural Bank; China Merchants Bank (CMB) and Minsheng Bank (Minsheng Bank) have stronger comprehensive competitiveness than Huaxia Bank (Huaxia Bank). In 2012, Societe Generale Bank had the strongest comprehensive competitiveness and Ping an Bank was the weakest. From the overall point of view, the overall development of listed commercial banks in China is better. However, there are still some problems, such as low capital adequacy ratio, low asset quality, insufficient innovation ability and imperfect corporate governance structure. In view of these problems, this paper puts forward countermeasures and suggestions to enhance the competitiveness of commercial banks in China.
【學(xué)位授予單位】：西安科技大學(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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