本文選題：上市商業(yè)銀行 + 競爭力　； 參考：《云南財經(jīng)大學(xué)》2017年碩士論文

【摘要】：近年來,我國上市商業(yè)銀行在銀行市場全面開放、各種支付手段不斷出現(xiàn)、新技術(shù)不斷發(fā)展、金融脫媒全面推進(jìn)等局面下,競爭形勢日益嚴(yán)峻。如何應(yīng)對我國上市商業(yè)銀行業(yè)市場變化以及轉(zhuǎn)型需求,盡快提高自身競爭力等問題是當(dāng)前面臨的重要課題和任務(wù)。因此,開展客觀評價和全面分析比較我國上市商業(yè)銀行競爭力的研究,具體分析各商業(yè)銀行競爭力強(qiáng)弱對比及形成原因,是非常有必要的,這對于提高我國上市商業(yè)銀行整體的實(shí)力和促進(jìn)我國金融業(yè)的健康發(fā)展都具有重要的現(xiàn)實(shí)意義。這正是本文研究的出發(fā)點(diǎn)。本文從動態(tài)和靜態(tài)視角,首先對上市商業(yè)銀行競爭力理論的梳理,由競爭力逐步引出上市商業(yè)銀行競爭力的概念。然后,對我國上市商業(yè)銀行競爭力評價體系進(jìn)行構(gòu)建,并對評價方法做出選擇。通過定量分析和定性分析相結(jié)合的方法,對16家上市商業(yè)銀行競爭力進(jìn)行評價分析。在對我國上市商業(yè)銀行環(huán)境競爭力、潛在競爭力以及環(huán)境競爭力進(jìn)行分析后,本文得出以下結(jié)論:大型國有商業(yè)銀行在安全性、規(guī)模性等方面更有優(yōu)勢,主要得益于其經(jīng)營規(guī)模;股份制商業(yè)銀行在潛在競爭力的創(chuàng)新方面占據(jù)優(yōu)勢,這是由于股份制商業(yè)銀行在進(jìn)行金融創(chuàng)新、公司治理方面既不像大型國有商業(yè)銀行受到諸多束縛,又能擺脫城市商業(yè)銀行的地理位置上的桎梏;城市商業(yè)銀行在現(xiàn)實(shí)競爭力方面表現(xiàn)最佳,這不僅因?yàn)闆Q策快、經(jīng)營靈活等對企業(yè)形成強(qiáng)大的吸引力,還在于其余地方爭取和企業(yè)的密切聯(lián)系,使得城市商業(yè)銀行在獲取信息方面具有優(yōu)勢,能夠詳盡掌握客戶資信狀況,經(jīng)營效果良好,另外政府支持也是現(xiàn)實(shí)競爭力具有優(yōu)勢重要原因之一。最后,針對分析結(jié)果對不同類型上市商業(yè)銀行提出針對性建議。
[Abstract]:In recent years, China's listed commercial banks are fully open to the banking market, various means of payment continue to appear, new technologies continue to develop, financial disintermediation is comprehensively promoted, and so on, the competition situation is becoming increasingly severe. How to deal with the market changes and transformation needs of listed commercial banks in China and how to improve their competitiveness as soon as possible is an important subject and task. Therefore, it is necessary to carry out objective evaluation and comprehensive analysis and comparison of the competitiveness of listed commercial banks in China, and to specifically analyze the comparative strength and the reasons for the competitiveness of various commercial banks. This is of great practical significance for improving the overall strength of listed commercial banks and promoting the healthy development of our financial industry. This is the starting point of this study. In this paper, from the dynamic and static perspective, firstly, the competitiveness theory of listed commercial banks is combed, and the concept of competitiveness of listed commercial banks is gradually introduced from the competitiveness of listed commercial banks. Then, the competitiveness evaluation system of listed commercial banks in China is constructed, and the evaluation method is chosen. Through the combination of quantitative analysis and qualitative analysis, the competitiveness of 16 listed commercial banks is evaluated and analyzed. After analyzing the environmental competitiveness, potential competitiveness and environmental competitiveness of listed commercial banks in China, this paper draws the following conclusions: large state-owned commercial banks have more advantages in terms of security, scale, etc. This is mainly due to the scale of its operation, the advantages of joint-stock commercial banks in the innovation of potential competitiveness, which is due to the fact that joint-stock commercial banks are engaged in financial innovation, and corporate governance is neither subject to many constraints as large state-owned commercial banks. They can also get rid of the shackles of the city commercial banks' geographical location. The city commercial banks perform best in the realistic competitiveness, which is not only because of the strong attraction to enterprises, such as quick decision making and flexible management, etc. It also lies in the close ties between the rest of the places and the enterprises, so that the city commercial banks have an advantage in obtaining information, are able to grasp the credit status of their customers in detail, and have good operating results. In addition, government support is also one of the important reasons for the advantage of realistic competitiveness. Finally, according to the results of the analysis of different types of listed commercial banks put forward targeted recommendations.
【學(xué)位授予單位】：云南財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.33

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本文編號：1774831