本文選題：A股上市商業(yè)銀行 + 競(jìng)爭(zhēng)力��； 參考：《西北農(nóng)林科技大學(xué)》2017年碩士論文

【摘要】：A股上市商業(yè)銀行是我國(guó)銀行業(yè)的領(lǐng)頭羊,在金融業(yè)中也占有著極其重要的地位,因此增強(qiáng)對(duì)其競(jìng)爭(zhēng)力的評(píng)價(jià)研究具有重大的現(xiàn)實(shí)意義。基于2006年-2015年16家A股上市商業(yè)銀行的年度數(shù)據(jù),采用主成分分析法對(duì)其競(jìng)爭(zhēng)力及內(nèi)部構(gòu)成進(jìn)行了橫向?qū)Ρ仍u(píng)價(jià)和縱向趨勢(shì)評(píng)價(jià),結(jié)果發(fā)現(xiàn):第一,競(jìng)爭(zhēng)力、規(guī)模實(shí)力強(qiáng)弱名次大致為國(guó)有控股銀行股份制銀行城市商業(yè)銀行,而財(cái)務(wù)能力強(qiáng)弱名次大致為城市商業(yè)銀行股份制銀行國(guó)有控股銀行;第二,A股上市商業(yè)銀行競(jìng)爭(zhēng)力仍然比較倚重體量?jī)?yōu)勢(shì),而對(duì)內(nèi)生質(zhì)量?jī)?yōu)勢(shì)的倚重相對(duì)不足,這一點(diǎn)國(guó)有控股商業(yè)銀行表現(xiàn)尤為明顯,其依附龐大的體量?jī)?yōu)勢(shì)而穩(wěn)居競(jìng)爭(zhēng)力的最前列;第三,A股上市商業(yè)銀行競(jìng)爭(zhēng)力還出現(xiàn)了“低水平集聚”、首位度偏高、內(nèi)部分化比較嚴(yán)重等現(xiàn)象,而且研究顯示“低水平集聚”狀態(tài)、首位度偏高現(xiàn)象較為穩(wěn)定,而內(nèi)部分化程度還有進(jìn)一步加大的趨勢(shì);第四,三類上市銀行對(duì)突發(fā)宏觀經(jīng)濟(jì)危機(jī)的敏感度有所差異,國(guó)有控股銀行較高,而股份制銀行與城市商業(yè)銀行較低。2008年金融危機(jī)的爆發(fā)使國(guó)際宏觀經(jīng)濟(jì)環(huán)境發(fā)生了很大變化,我國(guó)經(jīng)濟(jì)也隨之進(jìn)入了新常態(tài)模式,為了改善經(jīng)濟(jì)結(jié)構(gòu),促進(jìn)經(jīng)濟(jì)增長(zhǎng)并實(shí)現(xiàn)跨越式發(fā)展,習(xí)近平總書記多次提到我國(guó)經(jīng)濟(jì)增長(zhǎng)要逐步擺脫以往的要素、投資驅(qū)動(dòng)模式,轉(zhuǎn)而依靠創(chuàng)新驅(qū)動(dòng)模式。而內(nèi)外環(huán)境的變化使商業(yè)銀行的運(yùn)營(yíng)機(jī)制也在悄然改變,僅僅依靠粗放的外延增長(zhǎng)已經(jīng)很難支撐商業(yè)銀行的進(jìn)一步發(fā)展,因此創(chuàng)新驅(qū)動(dòng)力便提上議事日程。本文以創(chuàng)新驅(qū)動(dòng)力入手,基于2015年各家A股上市銀行的年份資料,采用多元半對(duì)數(shù)線性回歸方程對(duì)其競(jìng)爭(zhēng)力影響因素實(shí)行了研究,結(jié)果發(fā)現(xiàn):雖然其他收入占比在不斷上升,但是存貸款利差收入依然占據(jù)支配性的地位,與國(guó)際知名銀行相比差距較大;業(yè)務(wù)創(chuàng)新驅(qū)動(dòng)力、技術(shù)創(chuàng)新驅(qū)動(dòng)力與創(chuàng)新風(fēng)險(xiǎn)控制力對(duì)A股上市商業(yè)銀行競(jìng)爭(zhēng)力都有顯著的影響,但是創(chuàng)新風(fēng)險(xiǎn)控制力相較影響更大,各家銀行應(yīng)對(duì)此引起足夠警惕。在以上所得結(jié)論的基礎(chǔ)上,本文提出了四點(diǎn)建議:尋找新的投資貸款對(duì)象,增強(qiáng)應(yīng)對(duì)突發(fā)經(jīng)濟(jì)危機(jī)的能力;大力發(fā)展中間業(yè)務(wù),實(shí)現(xiàn)自身的轉(zhuǎn)型升級(jí);大力提高計(jì)算機(jī)科技水平,實(shí)現(xiàn)計(jì)算機(jī)技術(shù)與銀行業(yè)的緊密聯(lián)合;加強(qiáng)風(fēng)險(xiǎn)監(jiān)管,實(shí)現(xiàn)平穩(wěn)發(fā)展。
[Abstract]:A-share listed commercial banks are the leaders of China's banking industry, and also occupy an extremely important position in the financial industry. Therefore, it is of great practical significance to strengthen the research on the evaluation of the competitiveness of A-share listed commercial banks. Based on the annual data of 16 A-share listed commercial banks from 2006 to 2015, this paper makes a horizontal comparative evaluation and a vertical trend evaluation of their competitiveness and internal composition by principal component analysis. The results show that: first, competitiveness. The scale strength is roughly state-owned holding bank joint-stock bank city commercial bank while the financial ability rank is city commercial bank joint-stock bank state-owned holding bank; Second, the competitiveness of A-share listed commercial banks is still relatively dependent on volume advantages, while the reliance on endogenous quality advantages is relatively insufficient. This is particularly evident in state-owned holding commercial banks. Third, the competitiveness of A-share listed commercial banks also appears to be "low level agglomeration", the first degree is on the high side, and the internal differentiation is serious, and so on. Moreover, the research shows that the phenomenon of "low level agglomeration", the phenomenon of high degree of primacy is relatively stable, while the degree of internal differentiation is further increased. Fourth, the sensitivity of the three types of listed banks to the sudden macroeconomic crisis is different. The state-owned holding banks are higher, while the joint-stock banks and the city commercial banks are lower. The outbreak of the financial crisis in 2008 has changed the international macroeconomic environment greatly, and our country's economy has also entered the new normal mode, in order to improve the economic structure, To promote economic growth and realize leap-forward development, General Secretary Xi Jinping has repeatedly mentioned that China's economic growth should gradually get rid of the elements of the past, the investment-driven model and rely on the innovation-driven model. However, the internal and external environment changes the operation mechanism of commercial banks quietly. It is difficult to support the further development of commercial banks only by extensive extension growth, so the driving force of innovation is put on the agenda. Based on the year data of the A-share listed banks in 2015, this paper studies the factors influencing the competitiveness of the A-share listed banks by using the multivariate semi-logarithmic linear regression equation. The results show that, although the share of other income is increasing, But the income of deposit and loan spreads still occupies the dominant position, compared with the international well-known banks, there is a big gap; the driving force of business innovation, the driving force of technological innovation and the control of innovation risk have significant influence on the competitiveness of A-share listed commercial banks. But innovative risk control is more important, and banks should be wary of it. On the basis of the above conclusions, this paper puts forward four suggestions: to find new investment and loan object, to strengthen the ability to deal with the sudden economic crisis, to develop intermediary business vigorously, and to realize its own transformation and upgrading. We should improve the level of computer science and technology, realize the close combination of computer technology and banking industry, strengthen risk supervision, and realize steady development.
【學(xué)位授予單位】：西北農(nóng)林科技大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.33;F830.42

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