上市商業銀行競爭力比較研究

【摘要】由銀行業主導的中國金融體系中，金融的深化改革直接影響和制約中國經濟的發展。中國政府正履行其加入WTO后金融自由化的承諾，而銀行業作為中國國民經濟的“生命線”，正面臨著巨大的機遇和挑戰。在這種極其復雜的國際和國內經濟形勢下，了解和提高銀行自身競爭力，是中國銀行業發展的唯一選擇。

    本文系統回顧、介紹了在國內和國外關于商業銀行的競爭力理論內涵以及各方面的影響因素。并以我國16家在A股上市的商業銀行為研究對象，結合2013年上市商業銀行的年報數據，建立中國的上市銀行的競爭力評價指標體系，該爭力評價指標體系包括盈利性、流動性、安全性、發展性、市場占有能力以及創新能力這六項一級指標和能代表這六項一級指標的如凈資產增長率、成本收入比、流動性比率、存貸比、資本充足率、不良貸款率等十六項二級指標，通過對各個上市銀行的各項指標分析，較全面了解和分析各銀行在影響自身競爭力方面的優勢和缺陷，最后在文章結尾就我國上市銀行在各方面存在的缺陷提出可行性的對策建議。

【關鍵字】上市商業銀行、競爭力、評價指標體系

Comparative Study on the competitiveness of listed commercial banks

  [Abstract] Dominated by the banking industry in China's financial system, the deepening of financial reform directly affects and restricts the development of China's economy. The Chinese government is to meet its financial liberalization commitments after joining the WTO, the banking industry as the "lifeline" of the national economy in China, is facing great opportunities and challenges. In this extremely complicated international and domestic economic situation, to understand and to improve the competitive ability of the bank itself, is the only choice in the development of China's banking industry.

This paper systematically reviewed , describes factors at home and abroad theoretical connotation competitiveness of commercial banks as well as on various aspects . And of 16 commercial banks in the A -share listed as the research object , combined with 2013 listed on annual data of commercial banks , the establishment of evaluation index system competitiveness of listed banks in China , which is indisputable evaluation index system including profitability, liquidity, security , development , market power and the ability to innovate in this six -level indicators and a representative of these six indicators such as net asset growth , cost to income ratio , liquidity ratio , loan ratio , capital adequacy ratio , sixteen secondary indicators such as non-performing loan ratio , by each of the indicators listed banks analyzed more fully understand and analyze the strengths and weaknesses of each bank in terms of impact on their competitiveness , and finally in the article on China's listed banks at the end of each suggestions put forward feasible in terms of defects .

[Key word] Listed commercial banks, competitiveness, evaluation index system

目錄

緒論1

一、研究背景和意義1

1、研究背景1

2、研究意義1

二、研究綜述2

1、國外研究現狀2

2、國內研究現狀3

一、我國上市商業銀行競爭力概述4

（一）我國上市商業銀行發展現狀4

（二） 商業銀行競爭力內涵4

（三）商業銀行競爭力的影響因素5

1、 現實競爭力因素5

2、 潛在競爭力因素5

3、環境因素6

二、 上市商業銀行競爭力評價指標體系的建立6

（一）指標選取原則6

（二）評價指標體系的構建7

1、評價指標體系的思路7

三、上市商業銀行的競爭力比較分析8

（一）盈利性指標8

1、凈資產收益率和總資產收益率8

2、成本收入比9

3、每股收益9

（二）流動性指標10

1、流動性比率10

2、存貸比11

（三）安全性指標11

1、不良貸款率11

2資本充足率和核心資本充足率12

3、撥備覆蓋率13

（四）發展性能力指標13

1、存款增長率13

2、貸款增長率14

（五）市場占有能力指標14

1、資產增長率14

2、凈利潤增長率15

（六）創新能力指標分析15

（七）指標模型分析結論16

四、建議與展望17

（一）提升我國上市商業銀行競爭力的對策建議17

1、提高盈利能力和市場占有能力的對策建議17

2、提高流動性的對策建議18

3、提高安全性的對策建議18

4、提高發展能力的對策建議19

5、提高經營效率的對策建議19

（二）研究展望19

參考文獻20

致謝20