本文關鍵詞：我國上市商業(yè)銀行競爭力的實證研究　出處：《云南師范大學》2013年碩士論文　論文類型：學位論文

  更多相關文章： 上市商業(yè)銀行 競爭力 實證分析

【摘要】：隨著2006年我國金融市場面相全球開放，銀行業(yè)也對外開放，世界各國銀行陸續(xù)進駐中國。這也對我國銀行業(yè)形成了沖擊，也正是此時，對我國銀行業(yè)競爭力水平的研究推向高峰，隨后對銀行業(yè)的研究逐漸被冷落。距離2006年已經(jīng)6年之久的今天，我們?nèi)匀挥斜匾芯裤y行業(yè)的競爭力水平，首先，經(jīng)過6年的發(fā)展，我國銀行業(yè)現(xiàn)已基本具有相對完整的體系，各項制度相對完善；其次，6年之間，我國經(jīng)濟發(fā)展迅速，銀行業(yè)作為經(jīng)濟發(fā)展的中心，也得到了長足的發(fā)展，而現(xiàn)在我國上市商業(yè)銀行發(fā)展的如何、各家銀行發(fā)展的程度、競爭力的水平仍值得研究。尤其是2008年金融危機過后，世界政治、經(jīng)濟形勢發(fā)生重大變化，經(jīng)濟格局演化日趨復雜，在這樣復雜多變的環(huán)境中，我國商業(yè)銀行怎樣去應對、怎樣在多變的環(huán)境中生存、怎樣處理好國內(nèi)、國際上的關系，仍然是亟待解決的問題。 眾所周知，銀行是任何一個國家的金融中心，銀行通過發(fā)放貸款和吸取存款起到中介的作用，但是現(xiàn)在銀行也逐漸多元化經(jīng)營，不僅僅從事貸款和存款等主要業(yè)務，還從事各種中間業(yè)務。我國商業(yè)銀行發(fā)展至今，業(yè)務逐漸增加，產(chǎn)品也逐漸多元化。截止到2012年我國上市商業(yè)銀行共計16家，這些上市商業(yè)銀行是我國商業(yè)銀行的代表，資產(chǎn)估摸宏大。而面對如此之多的國內(nèi)外銀行，商業(yè)銀行競爭十分激烈，，尤其是近幾年來，我國銀行逐漸增多，截止2012年我國銀行共計36582家，那么如何提升銀行的競爭力水平，成為古老而又有現(xiàn)實意義的話題，這也是本文所要研究的主要內(nèi)容，本文通過選取15個能反應銀行整體水平的指標和16家上市商業(yè)銀行作為樣本進行分析研究，指標覆蓋銀行的各個方面，包括財務指標和非財務指標。而以往的相關論文一般只采用財務指標進行分析，這樣是不夠全面的，銀行業(yè)的競爭力水平不僅僅表現(xiàn)在財務指標上。在各位學者研究和各種理論的基礎上，將這些指標建立一個模型，利用SPSS軟件和因子分析法進行實證分析，最終得出各個上市商業(yè)銀行的競爭力水平排名，并根據(jù)實證結(jié)果分析國有商業(yè)銀行和上市股份制商業(yè)銀行各自的優(yōu)缺點，針對他們的弱勢提出相應的對策和建議，以提升他們的競爭力水平，針對他們的優(yōu)勢為我國銀行業(yè)提供借鑒，最后得出本文的結(jié)論，并對我國商業(yè)銀行未來的發(fā)展前景進行展望。
[Abstract]:With the 2006 global financial market of our country is open, the banking sector is also open, world bank began to enter the Chinese. This is also the China's banking industry to form a shock, it is also at this time, the research on the level of competitiveness of China's banking industry to the peak, then the research on the banking industry gradually from 2006 has been neglected. 6 years ago today, the level of competitiveness, we still need to study the banking industry first, after 6 years of development, China's banking industry has been basically has a relatively complete system, the system is relatively perfect; secondly, between 6 years, China's rapid economic development, the banking industry as the center of economic development, but also to obtain the considerable development, and now how to develop China's listed commercial banks, development banks, competitiveness is still worth studying. Especially after the 2008 financial crisis, the world political and economic situation Great changes have taken place and the evolution of economic structure is becoming more and more complex. In such a complex and changeable environment, how to deal with China's commercial banks, how to survive in a changeable environment and how to deal with domestic and international relations is still a pressing problem.
As everyone knows, the bank is a national financial center, bank loans and deposits by absorbing play an intermediary role, but now banks have gradually diversified, not only engaged in loans and deposits such as the main business, also engaged in a variety of intermediate business. China's commercial banking business development has gradually increased, gradually diversified products by the end of 2012. China's listed commercial banks a total of 16, the listed commercial banks is the representative of China's commercial banks, asset reckon grand. In the face of so many domestic and foreign banks, the commercial bank is very competitive, especially in recent years, China's banking gradually increased, by the end of 2012 China's total bank 36582, how to enhance the level of competitiveness of the bank, have become old and realistic topic, the main content of this paper is to study, this paper selected 15 can Analysis of the overall level of response to the bank's index and 16 listed commercial banks as samples, all indicators covering banks, including financial and non-financial indicators. And the previous papers generally only uses financial indicators analysis, this is not enough, the level of competitiveness of the banking industry is not only reflected in the financial index. Based on the former research and theory, a model of these indicators is established, the empirical analysis by using SPSS software and factor analysis method, finally obtains the competitiveness level of each listed commercial banks ranked according to the advantages and disadvantages of the state-owned commercial banks and joint-stock commercial banks listed their empirical analysis results, for their weakness put forward the corresponding countermeasures and suggestions, in order to enhance their competitive level, and provide reference for their advantages for China's banking industry, the last The conclusion of this paper and the prospect of the future development of China's commercial banks are prospected.

【學位授予單位】：云南師范大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.33

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