【作者】 吴文元；

【导师】 周葆生；

【作者基本信息】 安徽农业大学 ， 农业经济管理， 2003， 硕士

【摘要】 竞争力是一个主体与其他行为主体竞争某种(些)相同资源的能力，可以理解为某个利益主体的微观行为。这种微观行为不仅要靠自身的能力，还要受到很多环境要素的制约。竞争力的内涵既有微观行为因素，也有宏观环境因素。商业银行的竞争力是银行综合能力的体现，是在市场经济环境中对于其竞争对手所表现出来的生存能力和持续发展能力的总和，是商业银行在兼顾其社会责任和公众服务义务的同时，拓展市场、开创未来的能力。本文以西方现代竞争力理论为理论基石，把现代商业银行竞争力分为显性竞争力和隐性竞争力两个部分。在对中外商业银行竞争力对比研究以及对中国国内不同类型商业银行市场竞争力研究分析的基础上，初步设想了在我国加入WTO的形势下，有效提高我国商业银行整体竞争力特别是提高我国国有独资商业银行竞争力的思路。本论文主体部分分为七个章节。 第一章为引言。介绍了论文的研究目的、思路和方法。 第二章是竞争力与商业银行竞争力理论。这一章是全文的理论基础，从论述竞争开始，引出竞争力的概念，并对目前世界对竞争力研究比较权威的“世界经济论坛(WEF)”和美国哈佛大学教授迈克尔·波特的竞争理理论进行了概括性的阐述。在这一章中还论述了与企业竞争力研究密切相关的一个热点问题—企业核心竞争力，以求对竞争力理论阐述的完整性，并使读者能够了解到竞争力与核心竞争力的联系与区别。本章最后论述了商业银行竞争力，并提出了构成商业银行竞争力的四大组成部分。 第三章是商业银行竞争力研究的目的和指标。这一章论述了研究商业银行竞争力的意义，指出了研究商业银行竞争力的主要目的和研究对象。随后列出了本文所研究的主要中外商业银行，给出了本文研究商业银行竞争力的指标体系及其细分，并对有关指标进行了必要的说明。 第四章是中外商业银行竞争力状况分析。本文第四、第五章属于显性竞争力研究部分。首先分析了当前中外商业银行发展的总体状况，然后着重分析了中外商业银行的现实竞争力，在对比分析的基础上比较中外商业银行现实竞争力存在的差别及其形成原因。 第五章是中国商业银行竞争力分析。首先比较分析了四大国有商业银行与新兴股份制商业银行在竞争形势上的差别及其原因，然后分析了它们在现实竞争力方面的差别及其形成原因。随后研究了安徽省商业银行的竞争力状况，主要通过对比分析安徽省国有独资商业银行与股份制商业银行竞争力水平的差别，分析安徽省商业银行经营管理方面存在的不足和原因并借此提出改进建议。 第六章是商业银行隐性竞争力研究。研究了商业银行的潜在竞争力、竞争战略管理能力和外部环境竞争力。商业银行的潜在竞争力包括银行的人力资源状况、业务体系及其创新能力和金融监管的有效性等。商业银行的竟争战略管理能力由商业银行的法人治理结构、战略管理能力和营销能力构成。在商业银行的经营和发展过程中，良好的发展环境，较多的发展机遇以及政府对银行业的支持，将会对银行业的竞争力产生重大影响。在多种环境因素中，我们选择与银行业相关性较强的三种因素：宏观经济环境、金融运行势态和相关产业发展状况，并就此对我国银行业的环境竞争力状况进行分析。 第七章是提高我国商业银行竞争力的措施。这是本文的政策建议和结论部分，提出要提升我国商业银行整体竞争力所可能采取的一些措施，建立在前几章理论和实证分析的基础之上。据国际贸易经济合作院世经贸研究部课题组估计，加入WTO对中国金融业具体业务的影响要在中国加入 WTO三年后逐渐显现；因此，我国金融业还有一段缓冲期，我们要抓住这一难得的机遇，加快金融体制改革，培育国际竞争力，以迎接未来的挑战。更多还原

【Abstract】 Competitive force is the ability with which one conduct body and other bodies strive for the same resource (or some same resources) .It can be deemed as the micro-behavior of a profit body.The micro-behavior not only depend on its own ability,but is also limited by its surroundings.Connotation of competitive force have both micro-behavior factors and macro-environment forces. The competitive force of commercial banks is the embody of their intergrated abilities.lt is the summation of the survial ability and persistent development ability that commercial banks put up when they face their adversaries in the market economy.lt is their expansion ability and innovation ability when they give attention to both their social duties and service for the public. Based on the modern west theory of competitive force,this dissertation sorted the competitive force of modern commercial banks into obvious competitive force and recessive competitive force.we initially conceived some methods about how to effectively improve the entirely competitive force of China commercial banks especially the competitive force of those state owned commercial banks in the condition of we having become one member of the WTO after we contrastively researched the distinction of competitive force between foreign commercial banks and China commercial banks and the distinction among different kinds of commercial banks in China.There are seven chapters in this dissertation.Chapter one,preface,we introduced the aim,the research method and the train of thoughts of the dissertation.Chapter two,the theory of competitive force and the the competitive theory of commercial banks.This chapter is the foundation of the whole dissertation.Beginning with the expatiating of the competition,we elicited the concept of competitive force.Then we recapitulatively discussed some relatively authoritative competitive theories of "World Economic Forum (WEF) " and "Poter Michael-a professor of Harvard University". We also discussed an improtant problem connected with enterprise competitive force-Nuclear competitive force of enterpnse.So we integrally discussed the theory of competitive force and could let readers know the difference and the relation between Competitive force and Nuclear competitive force.In the end of this chapter we discussed the Competitive force of commercial banks and pointed out the four parts included in the Competitive force of commercial banks.Chapter three,the research aim and quota of commercial bank competitive force.We first dissertated the sense of research about commercial banks compititive force,pointing out the main intention and object of our research.Then we listed the main commercial banks that we planed to research in China and overseas.We presented the target system of commercial bank competitive force and its subdivision.Finally we made some further explanation about the target system.Chapter four,analysis about the competitive force of commercial banks in China and overseas.First, we analyzed the entire circumstance about the development of commercial banks in China and overseas.Second,we mainly discussed the realistic competitive force of commercial banks in China and overseas.We analyzed the difference of competitive force between China commercial banks and foreign commercial banks.We also analyzed the reason about the difference.Chapter five,research about the competitive force of China commercial banks.First, we discussed the distinction and its reason of competitive position between state owned commercial banks and new join-stock commercial banks.Second,we discussed the distinction and its reason of realistic competitive force between the two kinds of commercial banks.Subsequendy, we studied the competitive force circumstance of commercial banks in Anhui province. We contrasted the competitive force of state owned commercial banks to that of the joint-stock commercial banks. With which we analyzed the reason that contributed to some defects in the administration of Anhui commercial banks, and put forward some a更多还原