本文關(guān)鍵詞：基于組合分析法的我國上市商業(yè)銀行競爭力研究　出處：《貴州財經(jīng)大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

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【摘要】：我國金融業(yè)不斷加大結(jié)構(gòu)調(diào)整力度，在戰(zhàn)略調(diào)整與產(chǎn)品創(chuàng)新中穩(wěn)步發(fā)展，實現(xiàn)效益與規(guī)模、質(zhì)量與速度的同步增長，綜合競爭力進(jìn)一步提高。對銀行業(yè)而言，一方面，我國經(jīng)濟(jì)社會發(fā)展的基本面長期趨好，為銀行業(yè)持續(xù)健康發(fā)展創(chuàng)造了有利條件；另一方面，在外部沖擊和內(nèi)部轉(zhuǎn)型的壓力下，銀行業(yè)面臨的風(fēng)險日趨復(fù)雜，風(fēng)險管控的挑戰(zhàn)日益加大。 金融業(yè)是經(jīng)濟(jì)的核心，商業(yè)銀行是金融體系的主體。銀行高效的運(yùn)作體系既可以優(yōu)化資源配置、促進(jìn)經(jīng)濟(jì)增長方式的轉(zhuǎn)變、助力于產(chǎn)業(yè)結(jié)構(gòu)的升級，又可實現(xiàn)經(jīng)濟(jì)的可持續(xù)發(fā)展。上市商業(yè)銀行是銀行業(yè)充滿活力的一部分，商業(yè)銀行競爭力的提高對我國經(jīng)濟(jì)的發(fā)展起著舉足輕重的作用。在理論和實踐的基礎(chǔ)上，建立對上市商業(yè)銀行競爭力科學(xué)合理的評價體系，對商業(yè)銀行競爭力進(jìn)行評價，簡化銀行競爭力分析涉及的復(fù)雜關(guān)系，建立科學(xué)的商業(yè)銀行競爭力評價指標(biāo)體系，不但擴(kuò)充了我國對銀行競爭力的研究成果，而且還完善了我國商業(yè)銀行的評價機(jī)制�？梢砸龑�(dǎo)我國商業(yè)銀行抓住機(jī)遇、制訂符合自身條件的市場定位、用更好的產(chǎn)品和更強(qiáng)的服務(wù)來應(yīng)對金融市場的挑戰(zhàn)。對我國未上市和準(zhǔn)備上市的商業(yè)銀行具有有一定的指導(dǎo)意義。 本文通過對商業(yè)銀行競爭力相關(guān)領(lǐng)域的研究現(xiàn)狀和相關(guān)概念進(jìn)行綜述和界定，建立我國上市商業(yè)銀行競爭力的指標(biāo)評價體系。基于我國16家境內(nèi)上市商業(yè)銀行的數(shù)據(jù)進(jìn)行實證分析。因主觀賦權(quán)的評價方法會因人為因素造成偏差，而客觀賦權(quán)的評價方法又會忽略指標(biāo)本身的重要程度，故本文采取組合評價方法將兩類方法結(jié)合起來，可以相互彌補(bǔ)缺陷，全面地對銀行競爭力作出評價。 全文主要分為六個部分，包括以下內(nèi)容： 第一部分為引言。介紹了選題的背景與意義，本文的研究內(nèi)容、方法和本文的創(chuàng)新點(diǎn)與不足。 第二部分為本文的理論綜述。首先對企業(yè)競爭力的概念和企業(yè)競爭力的研究現(xiàn)狀進(jìn)行綜述；在企業(yè)競爭力的研究基礎(chǔ)上，對商業(yè)銀行競爭力的概念和相關(guān)文獻(xiàn)進(jìn)行研究分析；最后是對商業(yè)銀行競爭力的影響因素進(jìn)行分析。 第三部分為本文的研究準(zhǔn)備部分。在分析建立商業(yè)銀行競爭力指標(biāo)評價體系的原則的基礎(chǔ)上、在前人的研究成果基礎(chǔ)上，建立了商業(yè)銀行競爭力評價指標(biāo)體系，并對評價指標(biāo)做具體解釋。 第四部分為本文的核心部分。這部分是對我國上市商業(yè)銀行競爭力的實證分析。先對競爭力的主要評價方法進(jìn)行比較分析，全面了解各評價方法的優(yōu)劣勢；其次對樣本選取的數(shù)據(jù)進(jìn)行規(guī)范化處理；然后分別用層次分析法、灰色關(guān)聯(lián)分析法、主成分分析法和因子分析法對我國上市銀行進(jìn)行實證研究。 第五部分是對上一部分的總結(jié)概括。介紹了組合評價方法的基本概念，并用組合評價方法將第四部分的實證結(jié)果進(jìn)行組合研究，最后得出評價結(jié)果。 第六部分是本文的結(jié)論部分。對之前的研究進(jìn)行總結(jié)，并提出提升我國商業(yè)銀行競爭力的對策建議。 本文突破以往用單一評價方法進(jìn)行實證研究的局限，綜合考慮主觀賦權(quán)和客觀賦權(quán)評價方法的優(yōu)劣性，采用組合評價方法對銀行競爭力進(jìn)行全面科學(xué)的評價，以期能得到更客觀更真實的結(jié)論。 本文也存在許多不足。一方面，指標(biāo)的選取還可以更貼近銀行的實際情況。由于數(shù)據(jù)的獲取途徑及本人能力有限，在評價指標(biāo)的設(shè)置上不夠全面。另外，像管理層的素質(zhì)、銀行的經(jīng)營理念等對商業(yè)銀行的競爭力會產(chǎn)生影響的指標(biāo)，由于無法進(jìn)行定量分析，也不得不棄用。由于筆者知識有限，，文中難免出現(xiàn)錯誤和疏漏之處，懇請各位考試學(xué)者不吝賜教。在此，筆者表示衷心的感謝！
[Abstract]:China's financial industry continue to intensify structural adjustment, steady development in the strategic adjustment and product innovation, and realize the benefit of scale, quality and speed of synchronous growth, further improve the comprehensive competitiveness. For the banks, on the one hand, the fundamentals of China's economic and social development of the long-term increase, the banking industry continued healthy development created favorable conditions; on the other hand, in the impact of external and internal transformation under pressure, the risks faced by the banking sector risk management is becoming more and more complex, more and more challenges.
The financial industry is the core of economy, commercial banks are the main body of the financial system. The bank and efficient operation of the system can not only optimize the allocation of resources, promote the transformation of economic growth mode, to boost the upgrading of the industrial structure and the sustainable development of economy can be realized. The listed commercial bank is a part of the silver industry full of vitality and competitiveness of commercial banks to improve the development of China's economy plays a very important role. On the basis of theory and practice, the establishment of the listed commercial banks competitiveness evaluation system of scientific and reasonable evaluation of the competitiveness of commercial banks, to simplify the analysis of the complicated relationship of bank competitiveness, the establishment of commercial banks competitiveness evaluation index system of science, not only expands in China Research on bank competitiveness, but also improve the evaluation mechanism of China's commercial bank. Can guide the Commercial Bank of our country to seize the opportunity for To set up a market positioning that accords with its own conditions, to deal with the challenges of financial market with better products and stronger services, and to have some guiding significance for China's Unlisted and ready to be listed commercial banks.
This paper reviewed the definition and research status of the competitiveness of commercial banks in related fields and related concepts, establish the evaluation index system of the competitiveness of listed commercial banks. The empirical analysis of China's 16 domestic listed commercial banks based on the data. Because of the subjective evaluation method will be caused by human factors and objective evaluation method of deviation. The weight will ignore the important degree of the index itself, so this paper adopt the combination evaluation method of two kinds of methods can be combined with each other to make up for deficiencies, comprehensively evaluate the competitiveness of the bank.
The full text is divided into six parts, including the following:
The first part is the introduction. It introduces the background and significance of the topic, the content, the method, the innovation and the deficiency of this article.
The second part is the theoretical review of this article. Firstly, reviewed the research status and the concept of enterprise competitiveness and the competitiveness of enterprises; on the basis of research on the competitiveness of enterprises, research and analysis of the concept of the competitiveness of commercial banks and related documents; finally the influence factors of commercial bank competitiveness were analyzed.
The third part is the preparation part of this paper. Based on the analysis of the principles of establishing the evaluation index system of competitiveness index of commercial banks, based on the previous research results, the evaluation index system of competitiveness of commercial banks is established, and the evaluation index is explained concretely.
The fourth part is the core part of this paper. This part is the empirical analysis of the competitiveness of listed commercial banks. First, the main evaluation of the competitiveness of the methods of comparative analysis, a comprehensive understanding of the advantages and disadvantages of each evaluation method; secondly, normalizing the selected sample data; then use the analytic hierarchy process, grey correlation analysis method, principal component analysis and factor analysis of China's listed banks by empirical research.
The fifth part is the summary of the previous part. It introduces the basic concepts of the combined evaluation method, and combines the fourth part empirical results with the combination evaluation method, and finally obtains the evaluation results.
The sixth part is the conclusion of this article. It summarizes the previous research and puts forward the countermeasures and suggestions to improve the competitiveness of China's commercial banks.
This paper breaks through the limitations of previous single empirical research. Considering the advantages and disadvantages of subjective weighting and objective weighting evaluation method, a comprehensive and scientific evaluation of bank competitiveness is made by combinatorial evaluation method, in order to get more objective and more realistic conclusions.
In this paper, there are also many deficiencies. On the one hand, the selection of indicators can also be closer to the actual situation of the bank. Because of access to data and my limited ability, the evaluation indexes setting is not comprehensive enough. In addition, as the quality of management, the competitiveness of the bank management idea of commercial bank will affect the index due to the lack of quantitative analysis, and also to be used. Because of the limited knowledge, there might be mistakes and errors, please. Here the author exam scholar generous with your criticism to express my heartfelt thanks!

【學(xué)位授予單位】：貴州財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.33

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