【作者】 陈新民；

【导师】 王永海；

【作者基本信息】 武汉大学 ， 会计学， 2014， 博士

【摘要】 近年来,我国商业银行系统“第三梯队”的城市商业银行(简称城商行)发展迅猛,资产增速在全国银行业金融机构中位居前茅,市场份额日渐扩大,综合竞争实力也不断增强,并与其他大中型银行业金融机构互为补充,成为我国多层次银行体系之中不可或缺的重要组成部分。然而,与大中型银行相比,城商行的发展仍存许多劣势,而竞争力相对不足则是主要原因。未来,城商行的发展还将面临外部环境和自身变革的双重压力,要想既克服自身的弱点和不足,又保持快速、稳健的发展态势,关键是要培育和提升自身竞争力。因此,如何不断提升竞争力,走可持续发展的道路,已经成为摆在我国城商行面前的重大课题。同时,我国快速发展的城商行也迫切需要对十多年的发展经验教训进行总结,对前沿的理论进行探索和讨论。本文以企业的竞争力理论作为基础,结合商业银行“安全性、流动性、盈利性”的经营特性,并将研究的焦点集中到我国城商行的竞争力上面。建立了涵盖“现实竞争力”和“潜在竞争力”的我国城商行竞争力评价指标体系,通过实证分析后得出我国城商行普遍存在着潜在竞争力不足的问题,并以国际“类城商行”和国内城商行成功提升竞争力的经验为借鉴,最后提出对策建议。论文的第一章为导论。主要阐述了文章的研究背景和意义、研究思路和内容、研究方法以及创新和不足之处。论文的第二章是文献综述。从“银行竞争力的相关理论研究、影响银行竞争力的内外部因素及之间的关联、银行竞争力的各种构成因素、如何对银行的竞争力进行评价、提升银行竞争力的途径与措施”五个方面,对国内外的经典文献进行了梳理,归纳了关于“城商行竞争力提升”问题的历史背景、研究现状和发展趋势,并在此基础上分析了本文可以进一步研究的方向。论文的第三章是理论基础。本章以企业竞争力理论为起点,最后集中到本文的研究主体——城商行竞争力的理论探讨。梳理并总结了“什么是企业(商业银行,下同)的竞争力”、“应该如何对企业竞争力进行评价”、“提升企业竞争力应该采取什么策略?”的相关理论,并尝试构建了我国城商行的竞争力评价理论体系,旨在为本文后续的竞争力提升对策研究打下基础。论文的第四章是我国城商行的发展情况分析与比较。首先对我国银行业的组织体系、成员构成和市场情况进行了描述,然后从多个角度介绍了我国城商行的发展现状,最后对国外“类城商行”进行了比较分析,并总结了国外“类城商行”正反两方面的经验和教训。通过多方位的比较和分析,描绘了我国城商行竞争力的基本情况。论文的第五章是我国城商行竞争力分析。本章分别利用SWOT的定性分析方法和指标评价的定量分析方法,对我国城商行的竞争力进行了评价。得出的结论是,与国有大型银行和股份制商业银行相比,我国城商行在潜在竞争力方面的差距较大,为下文着重从潜在竞争力的几个方面来探讨如何提升我国城商行的竞争力埋下了注脚。论文的第六章是我国城商行提升竞争力的现场分析。本章介绍了汉口银行如何不断解放思想、更新理念,在向企业愿景挺进的过程中,充分结合自身实情,在“立思想、引联想、追梦想”的总体战略构想下,探索出了一条“规模+特色”的发展道路。首先,凝创了“思想为您服务”的核心理念,作为汉口银行提升竞争力的动能之源；其次,成功“借船”联想并实现“引理念、引战略、引管理、引品牌、引资源、引功能”相结合,形成了难以复制的“光谷+联想+汉口银行”的金三角组合,在打造科技金融特色、树立科技金融品牌上不断地抢占先机、寻求突破；最后,揭示了汉口银行打造“百年老店”,建设现代一流金融企业,不断追求卓越的孜孜以求的梦想。近年来,汉口银行在“立思想、引联想、追梦想”之“三想聚能”的战略构想引领下,以做强、做实“规模”作为提高现实竞争力的根本,以科技金融创新之“特色”经营作为提高潜在竞争力的关键,综合竞争力得以快速提升,成为我国城商行中“量质并举”的佼佼者。本章以汉口银行的实践经验作为国内城商行的经典案例,为我国其他城商行的竞争力提升提供了经验借鉴。论文的第七章是提升我国城商行竞争力的对策。本章在上文理论、实证和比较分析的基础上,分别针对我国城商行“整个群体”和发展阶段、发展规模、发展状况不同的“城商行个体”,提出了竞争力提升的对策建议。论文的第八章是结论。本章为结束语。总结了全文的观点,提出相关建议,并展望未来研究的方向以及需要继续拓展和深入的方面。更多还原

【Abstract】 In recent years, China’s city commercial banks which are considered as the "third stage"of China’s commercial banking system are developing rapidly. Their asset growth rank among the highest in China’s banking institutions; their market share continues to expand. Meanwhile, their comprehensive competitive strength has made great progress. Complementing with another medium-sized and large-sized banking institutions, China’s city commercial banks palyed an indispensable component of China’s multi-level banking system.However, the development of China’s city commercial banks is unbananced. Compared to medium-sized and large-sized banks, there are many problems in the city commercial banks’development, and lack of competitiveness is the main reason. In the future, China’s city commercial banks’development will also face both challenges from the external environment and the pressures of their own. In order to not only overcome their own weaknesses and shortcomings, but also to maintain rapid and stable development momentum, the key is to nurture and enhance their competitiveness. Therefore, how to enhance their competitiveness, and take the sustainable development path, has become a amajor issue in our city commercial banks. Meanwhile, the rapid development of China’s city commercial banks also need summarize the experiences and lessons that learned for more than a decade, as well as explore and discuss their frontier theory.Based on the competitiveness of enterprises theory, combined with commercial banks’ safety, liquidity, profitability, research of the dissertation finally focuses on the competitiveness of the commercial city commercial banks. It has established a "real competitive "and" potentially competitive" commercial banks competitiveness evaluation index system. Through empirical analysis, it arrivals at a conclusion that China’s city commercial banks lack of potential competitiveness. Then, it draws lessons from the international "category city commercial banks" how to enhance the competitiveness successfully. Eventually, It put forward the countermeasure and suggestion.Chapter I is the introduction. It mainly describes the research background and significance of research ideas and content, as well as innovative research methods and inadequacies.Chapter II is the literature review. It retrieve domestic and foreign classic literature From five aspects including "the relevant theoretical research of bank Competitiveness, the relationship between the bank ’s various constituent elements of competitiveness which affects the competitiveness of banks internal and external factors, how to evaluate the competitiveness of banks, the ways and measures to enhance the competitiveness of banks ". Then it summed up the historical background, current status and trends of the "City commercial banks competitiveness". By the method, this dissertation analyzes the possible direction of further research.Chapter III is the theoretical basis. This chapter discusses the theory of the competitiveness of enterprises as a starting point, and finally concentrated to the subject of this study-the competitiveness of commercial banks. Combing and summarizing related theories such as "What is corporate (commercial banks)’s competitiveness "," How should the enterprise (commercial banks) competitiveness evaluation","to enhance the competitiveness of enterprises should take what strategy?",and try to build a theoretical system about how to evaluate and enhance the competitivenession of commercial banks (especially the rapid development of our city). All follow-up study designed to pave the way for the theory.Chapter IV is the analysis and comparison of the situation of city commercial banks.First, China’s banking industry organization system, membership and market conditions are described, and then introduces the development of China’s city commercial situation, and finally with foreign "category city commercial banks" were compared, and summarized experiences and lessons learned. Through a multi-faceted comparison and analysis, it preliminary depicts the fundamentals of the competitiveness of commercial banks.Chapter V is the analysis of the competitiveness of city commercial banks. This chapter evaluates the the competitiveness of commercial banks using SWOT analysis method and indicators quantitative analysis method respectively. The conclusion is the potentially competitive gap between large state-owned banks and joint-stock commercial banks is large, and it planted a footnote for how to improve the competitiveness of our commercial banks.Chapter VI of the dissertation is the examples about city commercial banks to enhance the competitiveness. This chapter describes how Hankou Bank constantly renew their ideas, advancing to the corporate vision process, in the" Establish the ideological, Attract the Lenovo company, Pursue the dream" of the overall strategic vision, to explore out of a "Large-scale+Characteristics" path of development. First, it condensate a core idea about "Thought for your service," which is the energy source of Hankou Bank to enhance its competitiveness; Secondly, the successful "borrowed boat" Lenovo and achieve" The introduction of investment, introduction of advanced systems, introduction of talent recruitment, introduction of knowledge, introduction of governance" and formed a golden Triangle portfolio named" Optics Valley+association+Hankou Bank" which is difficult to replicate, for seizing the initiative and seeking a breakthrough in the area about Technology and Finance. Finally, to create "a hundred years old"brand, to become a modern financial enterprise, to pursure excellence constantly, is the forever dream of Hankou Bank. This chapter cited the practical experience of Hankou Bank of as a classic case of domestic city commercial banks, in order to providie a experience for other city commercial banks for how to enhance the competitiveness.Chapter Ⅶ of the dissertation is the suggestion. On the basis of the above theory, empirical and comparative analysis, It suggests how to enhance the competitiveness of the countermeasures and proposals for the" whole group" and stage of development, the scale of development, development of different" city commercial banks entities," respectively.Chapter Ⅶ of the dissertation is cnclusion. This chapter provides concluding remarks. First, Summarizes the full text of the opinion, Then, future research directions are suggested. At last, It prospects for further research aspects.更多还原