【摘要】 基于产业层面、企业层面和环境层面的三维分析框架,对比重庆地区商业银行与京津沪地区商业银行竞争力的差距。分析表明,重庆市商业银行业尚处于深化改革和调整期,在银行整体效率、四大行市场垄断地位、资本充足率和不良贷款比例等多个方面与其他直辖市还存在较大差距。因此,需结合重庆市特殊优势,从产业、企业、环境三个方面提高自身竞争力。更多还原

【Abstract】 Based on the three dimensional framework of industry,business and external environment,this paperanalyses the competitiveness of Chongqing’s commercial banks by comparing with Beijing,Tianjin and Shanghai and finds their advantages and disadvantages.It shows that Chongqing’s commercial banks is still in deepening reform and adjusting time,when there is large gap between Chongqing and other municipalities in the overall efficiency of banks,the market monopolized status of fourbanks,the capital adequacy ratio,non-performing loan ratio and otheraspects.Therefore,we should combine with the special advantages of Chongqing and improve its own competitiveness from industry,business and external environment.更多还原