本文關(guān)鍵詞：國(guó)有商業(yè)銀行和股份制商業(yè)銀行競(jìng)爭(zhēng)力比較研究　出處：《武漢理工大學(xué)》2012年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 商業(yè)銀行 傳統(tǒng)競(jìng)爭(zhēng)力 發(fā)展競(jìng)爭(zhēng)力 比較研究

【摘要】：金融體系繁榮的關(guān)鍵是銀行業(yè)的發(fā)展,銀行業(yè)的興衰取決于銀行的整體競(jìng)爭(zhēng)實(shí)力,因而銀行競(jìng)爭(zhēng)力的強(qiáng)弱是掌握我國(guó)經(jīng)濟(jì)發(fā)展和社會(huì)穩(wěn)定的命脈。加入WTO之后,面對(duì)國(guó)內(nèi)國(guó)外兩個(gè)市場(chǎng)的競(jìng)爭(zhēng),我國(guó)銀行業(yè)采取了一系列措施提高自身的競(jìng)爭(zhēng)實(shí)力,國(guó)有商業(yè)銀行和股份制商業(yè)銀行表現(xiàn)尤為突出,通過股份制改革、公開發(fā)行上市等方式,成為我國(guó)銀行業(yè)生力軍。然而,無論是針對(duì)國(guó)有商業(yè)銀行還是股份制銀行,在日益開放的金融市場(chǎng)中何如科學(xué)地提高競(jìng)爭(zhēng)力,都是至關(guān)重要的問題。因此,通過構(gòu)建我國(guó)商業(yè)銀行的評(píng)價(jià)指標(biāo)體系,對(duì)國(guó)有商業(yè)銀行和股份制商業(yè)銀行競(jìng)爭(zhēng)力進(jìn)行比較研究,是探索提升我國(guó)銀行業(yè)競(jìng)爭(zhēng)力的有效途徑,對(duì)我國(guó)銀行業(yè)也具有重要的理論和現(xiàn)實(shí)意義,本文正是以此為核心展開的。 商業(yè)銀行具有企業(yè)的一般性質(zhì)又有其特殊性,因此本文是以研究企業(yè)競(jìng)爭(zhēng)力和商業(yè)銀行及其競(jìng)爭(zhēng)力的相關(guān)理論為基礎(chǔ),并分析、借鑒國(guó)內(nèi)外機(jī)構(gòu)和學(xué)者的研究成果,構(gòu)建了適用于我國(guó)商業(yè)銀行競(jìng)爭(zhēng)力評(píng)價(jià)的指標(biāo)體系。此指標(biāo)體系是以傳統(tǒng)競(jìng)爭(zhēng)力和發(fā)展競(jìng)爭(zhēng)力為一級(jí)指標(biāo),其中傳統(tǒng)競(jìng)爭(zhēng)力包括了規(guī)模競(jìng)爭(zhēng)力、安全性競(jìng)爭(zhēng)力、盈利性競(jìng)爭(zhēng)力和流動(dòng)性競(jìng)爭(zhēng)力四個(gè)決定商業(yè)銀行競(jìng)爭(zhēng)力的基礎(chǔ)性的二級(jí)指標(biāo),而發(fā)展競(jìng)爭(zhēng)力包括了可持續(xù)發(fā)展競(jìng)爭(zhēng)力、治理結(jié)構(gòu)競(jìng)爭(zhēng)力、業(yè)務(wù)結(jié)構(gòu)競(jìng)爭(zhēng)力和管理競(jìng)爭(zhēng)力四個(gè)決定商業(yè)銀行發(fā)展?jié)摿Φ亩?jí)指標(biāo)。進(jìn)而,取了23個(gè)三級(jí)指標(biāo),并搜集了2009-2011年的相關(guān)數(shù)據(jù),對(duì)國(guó)有商業(yè)銀行和股份制銀行的發(fā)展進(jìn)行了趨勢(shì)分析和因子分析。其中,趨勢(shì)分析以三年的數(shù)據(jù)資料為基礎(chǔ),對(duì)銀行自身發(fā)展的道路進(jìn)行比較,簡(jiǎn)單評(píng)價(jià)其上升或下降的趨勢(shì)；因子分析以三年數(shù)據(jù)的算術(shù)平均為基礎(chǔ),對(duì)傳統(tǒng)競(jìng)爭(zhēng)力、發(fā)展競(jìng)爭(zhēng)力和綜合競(jìng)爭(zhēng)力分別進(jìn)行了比較。最后,對(duì)實(shí)證結(jié)果進(jìn)行分析,探討國(guó)有商業(yè)銀行和股份制銀行分別存在著哪些亟待解決的問題,并提出總體上應(yīng)該堅(jiān)持金融創(chuàng)新,營(yíng)造良好的金融競(jìng)爭(zhēng)環(huán)境等改善措施。 總之,本文緊密結(jié)合我國(guó)國(guó)有商業(yè)銀行和股份制商業(yè)銀行實(shí)證比較的結(jié)果,學(xué)習(xí)國(guó)外優(yōu)秀的管理經(jīng)驗(yàn)和先進(jìn)方法,探討了國(guó)有商業(yè)銀行和股份制銀行各自的不足并分別提出提升其競(jìng)爭(zhēng)力的措施和路徑,最終對(duì)提高我國(guó)銀行業(yè)整理競(jìng)爭(zhēng)力水平具有較強(qiáng)的理論和實(shí)踐指導(dǎo)意義。
[Abstract]:The key to the prosperity of the financial system is the development of the banking industry. The rise and fall of the banking industry depends on the overall competitive strength of the banks. Therefore, the competitiveness of banks is the lifeblood of our country's economic development and social stability. After China's entry into WTO, it faces the competition between domestic and foreign markets. China's banking industry has taken a series of measures to improve its competitive strength, especially state-owned commercial banks and joint-stock commercial banks. However, whether for state-owned commercial banks or joint-stock banks, in the increasingly open financial market He Ru scientifically improve competitiveness, is a crucial issue. Through the construction of the evaluation index system of commercial banks in China, the comparative study on the competitiveness of state-owned commercial banks and joint-stock commercial banks is an effective way to improve the competitiveness of China's banking industry. It is also of great theoretical and practical significance to China's banking industry, which is the core of this paper. Commercial banks have the general nature of enterprises and have their particularities, so this paper is based on the study of the competitiveness of enterprises and commercial banks and their competitiveness theory, and analysis. Referring to the research results of domestic and foreign institutions and scholars, this paper constructs an index system suitable for the evaluation of the competitiveness of commercial banks in China. This index system is based on the traditional competitiveness and development competitiveness as the primary index. Traditional competitiveness includes scale competitiveness, security competitiveness, profitability competitiveness and liquidity competitiveness, which determine the competitiveness of commercial banks. The development competitiveness includes four secondary indicators, namely, sustainable development competitiveness, governance structure competitiveness, business structure competitiveness and management competitiveness, which determine the development potential of commercial banks. It also collects relevant data from 2009-2011, and makes trend analysis and factor analysis on the development of state-owned commercial banks and joint-stock banks. Among them, the trend analysis is based on the data of three years. Compare the development of the banks themselves, and evaluate the rising or declining trend of the banks; Based on the arithmetic average of three years' data, factor analysis compares the traditional competitiveness, the development competitiveness and the comprehensive competitiveness. Finally, the empirical results are analyzed. This paper probes into the problems that exist in state-owned commercial banks and joint-stock banks respectively, and puts forward some improvement measures such as persisting in financial innovation and creating a good financial competition environment. In short, this paper closely combined with the results of empirical comparison between state-owned commercial banks and joint-stock commercial banks, learning foreign excellent management experience and advanced methods. This paper discusses the shortcomings of state-owned commercial banks and joint-stock banks, and puts forward the measures and paths to enhance their competitiveness respectively, which is of great theoretical and practical significance to improve the competitiveness of banking industry in China.
【學(xué)位授予單位】：武漢理工大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.33;F224

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