發(fā)布時(shí)間：2018-08-12 08:20

【摘要】：根據(jù)2012年中國銀行業(yè)競爭力報(bào)告數(shù)據(jù)顯示,2011年中國工商銀行、中國建設(shè)銀行和中國銀行分別包攬了全球最盈利銀行榜單的前三名,我國商業(yè)銀行逐漸具備了一定的競爭力。但是隨著國內(nèi)銀行業(yè)務(wù)對外資銀行逐步放開,我國銀行業(yè)正面臨著日益嚴(yán)峻的挑戰(zhàn)。銀行業(yè)作為金融業(yè)的主體,關(guān)系著一個(gè)國家的經(jīng)濟(jì)命脈,其發(fā)展受到了人們的廣泛關(guān)注,也正因如此越來越多的學(xué)者開始關(guān)注商業(yè)銀行核心競爭力方面的研究。雖然關(guān)于商業(yè)銀行核心競爭力的研究報(bào)告層出不窮,但商業(yè)銀行核心競爭力的評價(jià)體系還不夠完整,對符合商業(yè)銀行特點(diǎn)的核心競爭力定量評價(jià)方法研究仍是一個(gè)開放性的問題。 本文在綜述商業(yè)銀行核心競爭力相關(guān)理論和對商業(yè)銀行進(jìn)行價(jià)值鏈分析的基礎(chǔ)上總結(jié)了商業(yè)銀行核心競爭力的構(gòu)成要素,即資源要素、能力要素、環(huán)境要素等,并從這些構(gòu)成要素出發(fā),構(gòu)建了一套具備扎實(shí)理論基礎(chǔ)的商業(yè)銀行核心競爭力評價(jià)指標(biāo)體系。本文創(chuàng)新性地將結(jié)構(gòu)方程模型應(yīng)用于商業(yè)銀行核心競爭力的定量評價(jià)研究中；與傳統(tǒng)的探索性因子分析從數(shù)據(jù)中尋找規(guī)律的邏輯不同,結(jié)構(gòu)方程模型更加注重變量之間的內(nèi)在聯(lián)系,在成熟的理論研究和實(shí)踐經(jīng)驗(yàn)的基礎(chǔ)上,提出合理的假設(shè),再通過經(jīng)驗(yàn)數(shù)據(jù)對研究假設(shè)進(jìn)行驗(yàn)證,完全是一種驗(yàn)證性分析的策略,更加符合核心競爭力評價(jià)研究的邏輯。本文篩選了十二家上市商業(yè)銀行2007至2012年的數(shù)據(jù)作為樣本,構(gòu)建了核心競爭力定量評價(jià)模型,結(jié)果顯示模型擬合效果良好,通過了假設(shè)檢驗(yàn)。通過核心競爭力打分分析了我國商業(yè)銀行核心競爭力的現(xiàn)狀,最后結(jié)合實(shí)證分析結(jié)果為提升我國商業(yè)銀行核心競爭力提出了一些有參考意義的對策和建議。
[Abstract]:Industrial and Commercial Bank of China (ICBC), China Construction Bank (CCB) and Bank of China (BOC) each ranked the top three most profitable banks in the world in 2011, according to the 2012 China Banking Competitiveness report. However, with the gradual liberalization of domestic banking to foreign banks, China's banking industry is facing increasingly serious challenges. As the main body of the financial industry, the banking industry is related to the economic lifeline of a country, and its development has received extensive attention, which is why more and more scholars begin to pay attention to the research on the core competence of commercial banks. Although the research reports on the core competence of commercial banks emerge in endlessly, the evaluation system of the core competence of commercial banks is not complete enough. It is still an open question to study the quantitative evaluation method of core competence in accordance with the characteristics of commercial banks. On the basis of summarizing the relevant theories of the core competence of commercial banks and analyzing the value chain of commercial banks, this paper summarizes the constituent elements of the core competitiveness of commercial banks, that is, resource factor, capability factor, environment factor, etc. Based on these elements, a set of evaluation index system of core competence of commercial banks with solid theoretical foundation is constructed. In this paper, the structural equation model is innovatively applied to the quantitative evaluation of commercial banks' core competitiveness, which is different from the traditional exploratory factor analysis. The structural equation model pays more attention to the internal relation between variables. On the basis of mature theoretical research and practical experience, a reasonable hypothesis is put forward, and then the empirical data is used to verify the research hypothesis, which is a strategy of confirmatory analysis. More in line with the core competitiveness evaluation research logic. In this paper, the data of 12 listed commercial banks from 2007 to 2012 are selected as samples, and the quantitative evaluation model of core competence is constructed. The results show that the model fits well and passes the hypothesis test. This paper analyzes the present situation of the core competence of Chinese commercial banks through the scoring of the core competence, and finally puts forward some valuable countermeasures and suggestions for improving the core competence of the commercial banks in our country in the light of the results of the empirical analysis.
【學(xué)位授予單位】：華東理工大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.33;F224

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