【作者】 李双文；

【导师】 吴云凤；

【作者基本信息】 暨南大学 ， 统计学， 2005， 硕士

【摘要】 随着经济全球化的进程加快,全球竞争日益增强,对一国整体竞争力以及行业竞争力的分析研究已经成为世人瞩目的焦点之一。四大国有银行是整个国民经济和金融体系的枢纽,支配着中国全部金融资产的大部分,是中国银行业的中坚力量。如何在激烈竞争的金融市场中获得综合、持久的竞争力,关系到我国金融业的发展以及社会主义市场经济的繁荣。 目前,虽然国有商业银行在资产、存款、贷款等方面总额在不断增加,绝对规模在扩大,但市场集中度有下降的趋势,表明竞争性在增加,提高国有商业银行竞争力显得日益重要。本文在分析我国银行业竞争格局的基础上,将商业银行竞争力分为潜在竞争力与现实竞争力,并参考目前提出的各种银行竞争力评价的指标体系,针对某些指标可操作性不强的问题,提出切实可行的指标体系。本文对潜在竞争力和现实竞争力分别采用模糊综合评价方法以及因子分析方法进行评价,得出影响商业银行竞争力的主要因素,并在此基础上对如何提高国有商业银行竞争力提出建议。更多还原

【Abstract】 With the rapid development of globalization, the competition in the world is becoming more fierce. People is paying more attention to the research of the competence of the whole nation and various industries. The four state-owned commercial banks are the hinge of the national economy and the financial system, processing the major part of China’s financial assets, and they are the nucleus of China’s banking industry.Now although the assets, deposit and load amount of the four state-owned commercial banks is increasing and the absolute scale is also expanding, the market proportion is decreasing. This shows that the competition is becoming more fierce and it is important to enhance the competence of the state-owned commercial banks. Based on the analyse of the competitive situation of the banking industry, this article classifies the banking competence into two sorts: the latent competence and the real competence. It also consults the existed banking competence index systems and tries to bring out an operable index system. This article uses fuzzy comprehensive evaluation method and factor analyse to measure the latent and real competence and thus finds out what is the key factor that influence the banking competence, based on which we can bring out some advice to enhance the state-owned banks’ competence.更多还原