本文選題：大型商業(yè)銀行 + 國(guó)際化��； 參考：《西南財(cái)經(jīng)大學(xué)》2013年博士論文

【摘要】：目前,中國(guó)銀行業(yè)正處于戰(zhàn)略轉(zhuǎn)型和快速國(guó)際化發(fā)展階段。中國(guó)銀行業(yè)需優(yōu)化資產(chǎn)質(zhì)量,提供優(yōu)質(zhì)產(chǎn)品和金融服務(wù),改造業(yè)務(wù)流程,完善銀行治理機(jī)制,提高商業(yè)銀行綜合經(jīng)營(yíng)效益,進(jìn)一步降低成本投入和資本消耗,轉(zhuǎn)外延粗放式增長(zhǎng)為內(nèi)涵集約化增長(zhǎng),將規(guī)模與增長(zhǎng)、風(fēng)險(xiǎn)與收益、穩(wěn)健與創(chuàng)新、本土化與國(guó)際化等方面全盤(pán)結(jié)合起來(lái),從銀行治理機(jī)制上引導(dǎo)和規(guī)范中國(guó)銀行業(yè)基于長(zhǎng)期優(yōu)質(zhì)增長(zhǎng)而非規(guī)模粗放擴(kuò)張,真正做到經(jīng)營(yíng)方式的轉(zhuǎn)變。中國(guó)銀行業(yè)全球化布局需加快,在全球范圍內(nèi)要敢于直面與各國(guó)大型商業(yè)銀行開(kāi)展全面的業(yè)務(wù)競(jìng)爭(zhēng),進(jìn)一步提高中國(guó)銀行業(yè)國(guó)際化程度和國(guó)際競(jìng)爭(zhēng)力,實(shí)現(xiàn)中國(guó)銀行業(yè)從“大”到“強(qiáng)”的轉(zhuǎn)變。 對(duì)國(guó)際銀行業(yè)來(lái)說(shuō),改革、兼并、重組一直是其主要的發(fā)展旋律,更是一流大型商業(yè)銀行階梯式成長(zhǎng)的基本路徑。金融危機(jī)和歐債危機(jī)后,歐美諸國(guó)或?qū)ξC(jī)銀行部分股權(quán)國(guó)有化,或注資銀行業(yè),或大銀團(tuán)之間業(yè)務(wù)重組,或資金充沛、經(jīng)營(yíng)尚可的銀行收購(gòu)瀕臨倒閉的銀行,以此來(lái)推動(dòng)銀行業(yè)的改革和發(fā)展。對(duì)于新興市場(chǎng)國(guó)家來(lái)說(shuō),則抓住經(jīng)濟(jì)強(qiáng)勢(shì)增長(zhǎng)的機(jī)遇,不斷深化和推進(jìn)銀行業(yè)改革,以此來(lái)降低經(jīng)營(yíng)成本,提高經(jīng)營(yíng)效率,并加速拓展海外業(yè)務(wù)和機(jī)構(gòu)布局,如中國(guó)、巴西、南非、俄羅斯等國(guó)商業(yè)銀行業(yè)。面對(duì)金融全球化及國(guó)際銀行業(yè)的深刻變革,中國(guó)大型商業(yè)銀行要轉(zhuǎn)變依靠國(guó)家金融政策保護(hù)和外延粗放式的發(fā)展思路,深切地認(rèn)識(shí)到提高銀行經(jīng)營(yíng)水平、國(guó)際化經(jīng)營(yíng)程度和國(guó)際競(jìng)爭(zhēng)力的迫切性。 隨著中國(guó)銀行業(yè)經(jīng)營(yíng)自主權(quán)的擴(kuò)大、利率市場(chǎng)化的推進(jìn)、金融脫媒發(fā)展的態(tài)勢(shì)、資本和貨幣市場(chǎng)的快速發(fā)展,以及金融體制其他方面的深化改革,在競(jìng)爭(zhēng)性的國(guó)際銀行業(yè)市場(chǎng)中,中國(guó)商業(yè)銀行需要能夠持續(xù)地比外資銀行更有效率地向金融市場(chǎng)提供現(xiàn)代金融產(chǎn)品和服務(wù),并獲得持續(xù)的盈利和自我發(fā)展的綜合能力。采取多種措施提高中國(guó)銀行業(yè)的資金效率和資本充足率、改善銀行治理機(jī)制、堅(jiān)持市場(chǎng)主導(dǎo)和創(chuàng)新發(fā)展的經(jīng)營(yíng)原則,建立起具有強(qiáng)大競(jìng)爭(zhēng)力的國(guó)際一流大型商業(yè)銀行是中國(guó)商業(yè)銀行業(yè)改革與發(fā)展的方向。 對(duì)中國(guó)大型商業(yè)銀行國(guó)際競(jìng)爭(zhēng)力的研究是一項(xiàng)充滿創(chuàng)造性的工程,不僅是對(duì)已有研究成果的全面整合和補(bǔ)充,更能夠?yàn)樯虡I(yè)銀行業(yè)國(guó)際競(jìng)爭(zhēng)力領(lǐng)域的進(jìn)一步研究指明路徑；不僅為大型商業(yè)銀行制定異質(zhì)性的競(jìng)爭(zhēng)策略、提升自身的經(jīng)營(yíng)管理水平和國(guó)際競(jìng)爭(zhēng)力提供理論依據(jù),也能夠?yàn)檎块T(mén)(央行、銀監(jiān)部門(mén)等)的宏觀決策、政策制定和監(jiān)督管理提供綜合性的評(píng)價(jià)標(biāo)準(zhǔn)和理論依據(jù)。構(gòu)建中國(guó)大型商業(yè)銀行國(guó)際競(jìng)爭(zhēng)力評(píng)價(jià)指標(biāo)體系,對(duì)中國(guó)大型商業(yè)銀行國(guó)際競(jìng)爭(zhēng)力各因子要素進(jìn)行實(shí)證檢驗(yàn),能夠較為明晰地了解決定中國(guó)大型商業(yè)銀行國(guó)際競(jìng)爭(zhēng)力的關(guān)鍵因素。在面對(duì)一流國(guó)際大型商業(yè)銀行強(qiáng)有力的外部競(jìng)爭(zhēng)時(shí),中國(guó)大型商業(yè)銀行能夠有效地做出理性的應(yīng)對(duì)措施,鞏固和發(fā)展自有市場(chǎng)、客戶和業(yè)務(wù),并逐步邁入國(guó)際一流商業(yè)銀行的隊(duì)列。同時(shí),能夠?yàn)橹袊?guó)大型企業(yè)走出去和海外投資戰(zhàn)略服務(wù),有利于我國(guó)經(jīng)濟(jì)穩(wěn)定發(fā)展和全球影響力提升�？茖W(xué)而全面地評(píng)價(jià)中國(guó)大型商業(yè)銀行的國(guó)際競(jìng)爭(zhēng)力具有重大的理論意義和現(xiàn)實(shí)意義。 選取英國(guó)《The Banker》以一級(jí)資本排名全球前50強(qiáng)大型商業(yè)銀行(剔除高盛集團(tuán)和摩根士丹利兩家投資銀行)和另外5家中國(guó)股份制商業(yè)銀行作為研究樣本,借鑒國(guó)內(nèi)外學(xué)者關(guān)于企業(yè)(特別是商業(yè)銀行)競(jìng)爭(zhēng)力、核心競(jìng)爭(zhēng)力、國(guó)際競(jìng)爭(zhēng)力的大量文獻(xiàn)、資料及研究方法,進(jìn)而較為全面而準(zhǔn)確地界定商業(yè)銀行國(guó)際競(jìng)爭(zhēng)力的概念和評(píng)價(jià)體系。整個(gè)研究分為8個(gè)部分：第一部分,介紹論文選題的背景、選題的意義、主要的研究?jī)?nèi)容和方法,文章主要?jiǎng)?chuàng)新點(diǎn)及不足；第二部分,介紹商業(yè)銀行競(jìng)爭(zhēng)力的理論基礎(chǔ),對(duì)研究的基礎(chǔ)概念予以說(shuō)明,對(duì)國(guó)內(nèi)外學(xué)者研究成果進(jìn)行全面的梳理和評(píng)述；第三部分,介紹商業(yè)銀行國(guó)際競(jìng)爭(zhēng)力的評(píng)價(jià)實(shí)踐和構(gòu)成要素；第四部分,介紹中國(guó)大型商業(yè)銀行的歷史沿革、國(guó)際化進(jìn)程、外資銀行在中國(guó)的發(fā)展現(xiàn)狀；第五部分,介紹各國(guó)商業(yè)銀行的歷史沿革、發(fā)展現(xiàn)狀、國(guó)際化經(jīng)營(yíng)現(xiàn)狀及其國(guó)際競(jìng)爭(zhēng)力強(qiáng)弱；第六部分,介紹大型商業(yè)銀行國(guó)際競(jìng)爭(zhēng)力：國(guó)際比較與經(jīng)驗(yàn)借鑒,并對(duì)國(guó)際銀行業(yè)績(jī)效與混業(yè)經(jīng)營(yíng)、競(jìng)爭(zhēng)環(huán)境的關(guān)系進(jìn)行實(shí)證檢驗(yàn),得出混業(yè)經(jīng)營(yíng)和國(guó)際化發(fā)展對(duì)于提升中國(guó)商業(yè)銀行國(guó)際競(jìng)爭(zhēng)力是有益的結(jié)論,重點(diǎn)探討了大型商業(yè)銀行國(guó)際化發(fā)展模式的類型和其國(guó)際化發(fā)展的經(jīng)驗(yàn)借鑒：第七部分,中國(guó)大型商業(yè)銀行國(guó)際競(jìng)爭(zhēng)力的國(guó)際比較,從理論框架出發(fā)、介紹研究樣本和評(píng)價(jià)指標(biāo)選取、指標(biāo)標(biāo)準(zhǔn)化及模型的建立。介紹大型商業(yè)銀行國(guó)際競(jìng)爭(zhēng)力排名、各具體指標(biāo)細(xì)項(xiàng)得分,并為提高中國(guó)大型商業(yè)銀行國(guó)際競(jìng)爭(zhēng)力進(jìn)行了理論上分析。第八部分,介紹研究的主要結(jié)論和建議。 通過(guò)理論的演繹和實(shí)證的研究,本文的主要結(jié)論為：首先,中國(guó)大型商業(yè)銀行進(jìn)入了新的發(fā)展階段,已經(jīng)成為國(guó)際銀行業(yè)重要的參與者；其次,中國(guó)大型商業(yè)銀行優(yōu)勢(shì)國(guó)際競(jìng)爭(zhēng)力取決于其高盈利性和規(guī)模增長(zhǎng)優(yōu)勢(shì)明顯,包括總資產(chǎn)收益率較高、資本收益率較高和經(jīng)營(yíng)成本較低等三個(gè)方面的優(yōu)勢(shì)明顯；再次,中國(guó)銀行業(yè)的另外一個(gè)重要表現(xiàn)就是,通過(guò)國(guó)家注資國(guó)有商業(yè)銀行、組建新型股份制商業(yè)銀行和城市商業(yè)銀行、大力引入國(guó)外戰(zhàn)略投資者、IPO募資和擴(kuò)股再融資、政策保護(hù)下的高額盈利、內(nèi)生性跨越式發(fā)展和行業(yè)內(nèi)并購(gòu)整合等手段并舉,中國(guó)銀行業(yè)的資本實(shí)力迅速增強(qiáng)；另外,中國(guó)銀行業(yè)的整體風(fēng)險(xiǎn)管理能力需要加強(qiáng),經(jīng)營(yíng)的穩(wěn)健性需要進(jìn)一步的提高；最后,中國(guó)銀行業(yè)的國(guó)際化程度不高、品牌競(jìng)爭(zhēng)力不強(qiáng),在國(guó)際銀行業(yè)市場(chǎng)難以俘獲國(guó)外客戶的信心。 進(jìn)一步提高中國(guó)大型商業(yè)銀行國(guó)際競(jìng)爭(zhēng)力,中國(guó)大型商業(yè)銀行在參與國(guó)際銀行業(yè)的競(jìng)爭(zhēng)中要做好以下幾個(gè)方面：(1)樹(shù)立全球意識(shí),全面參與國(guó)際競(jìng)爭(zhēng)；(2)堅(jiān)持創(chuàng)新發(fā)展,保證穩(wěn)定盈利水平；(3)加強(qiáng)基礎(chǔ)設(shè)施,提升管理體系效率；(4)實(shí)現(xiàn)綜合經(jīng)營(yíng),提供全能銀行服務(wù)；(5)整合業(yè)務(wù)流程,打造強(qiáng)大銀行品牌。另外,在國(guó)際銀行業(yè)的排名中,中國(guó)銀行業(yè)競(jìng)爭(zhēng)力得分逐年上升,競(jìng)爭(zhēng)實(shí)力逐步提升,但競(jìng)爭(zhēng)實(shí)力上升趨勢(shì)能不能持久,還得看中國(guó)銀行業(yè)國(guó)際化進(jìn)程的進(jìn)和自身業(yè)務(wù)發(fā)展模式的轉(zhuǎn)變。
[Abstract]:At present , China ' s banking industry is in strategic transformation and fast international development stage . China ' s banking needs to optimize the quality of assets , provide high - quality products and financial services , transform the business process , improve the bank governance mechanism , improve the comprehensive management efficiency of commercial banks , further reduce the investment and capital consumption , improve the comprehensive management efficiency of the commercial banks , further reduce the investment in scale and growth , the risks and benefits , sound and innovation , localization and internationalization .

For the international banking industry , the reform , merger and reorganization have been the main development melody , and it is the basic path of the ladder growth of the first - class commercial banks .

With the expansion of China ' s banking business autonomy , the promotion of interest rate liberalization , the rapid development of capital and money market , the rapid development of capital and money market , and the deepening reform of financial system , China ' s commercial banks need to be able to provide modern financial products and services more efficiently than foreign banks in the competitive international banking market .

The research on the international competitiveness of China ' s large commercial banks is a creative project , not only the comprehensive integration and supplement of the existing research results , but also the further study of the path in the field of international competitiveness of commercial banks ;
In the face of the strong external competition of the first - class international commercial banks , China ' s large commercial banks can effectively make rational response measures to consolidate and develop their own markets , customers and businesses , and gradually enter the queue of international first - class commercial banks .

In this paper , the concept and evaluation system of the international competitiveness of commercial banks are defined comprehensively and accurately by using a large number of literatures , materials and research methods about the competitiveness , core competence and international competitiveness of enterprises ( especially commercial banks ) . The whole research is divided into 8 parts : Part I , introduces the background of the paper selection , the significance of the selection , the main research contents and methods , the main innovations of the articles and deficiencies ;
The second part introduces the theoretical foundation of the commercial bank ' s competitiveness , explains the basic concept of the research , and makes a comprehensive analysis and comment on the domestic and foreign scholars ' research results ;
The third part introduces the evaluation practice and constituent elements of the international competitiveness of commercial banks ;
The fourth part introduces the historical evolution of China ' s large commercial banks , the internationalization process and the development of foreign banks in China ;
The fifth part introduces the historical evolution of the commercial banks , the present situation of development , the current situation of international operation and the strength and weakness of its international competitiveness ;
The sixth part introduces the international competitiveness of large commercial banks : international comparison and experience reference , and empirically tests the relationship between international banking performance and mixed operation and competitive environment .

Through theoretical deduction and empirical research , the main conclusions of this paper are as follows : First , China ' s large commercial banks have entered a new stage of development , which has become an important participant in international banking ;
Secondly , the advantage international competitiveness of China ' s large commercial banks depends on its advantages of high profitability and scale growth , including higher yield of total assets , higher capital yield and lower operating cost .
Thirdly , the other important performance of China ' s banking industry is that through the state - owned commercial banks , a new joint - stock commercial bank and urban commercial bank are set up to introduce foreign strategic investors , IPO - raising and refinancing , high - level profitability under the protection of policies , the development of domestic and domestic mergers and acquisitions , and the rapid increase in the capital strength of China ' s banking sector ;
In addition , the overall risk management capability of China ' s banking industry needs to be strengthened , and the robustness of operation needs to be further improved ;
Finally , the internationalization of China ' s banking industry is low and the brand competitiveness is weak , and it is difficult to capture the confidence of foreign customers in the international banking market .

To further improve the international competitiveness of China ' s large commercial banks , China ' s large commercial banks should make the following aspects in their participation in international banking : ( 1 ) Set up global awareness and participate in international competition ;
( 2 ) Insist on the development of innovation and ensure the stable profit level ;
( 3 ) Strengthen the infrastructure and improve the efficiency of management system ;
( 4 ) realizing comprehensive management and providing all - energy banking services ;
( 5 ) To integrate business process and build strong bank brand . In addition , in the ranking of international banking industry , China ' s banking competitiveness scores increased year by year , and the competitive strength gradually increased , but the trend of competitive strength could not be sustained , and the transformation of China ' s banking internationalization process and its own business development mode should be seen .

【學(xué)位授予單位】：西南財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：博士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.33

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