摘要
相对于大型股份制银行而言,城市商业银行的竞争力相对偏弱,这不
仅受到发展时间的影响,也受到银行规模、管理能力、吸储放贷能力的影
响。在金融行业逐步市场化的今天,如何规避城市商业银行劣势,发挥自
身优势并取得某一领域的相对竞争优势是城商行发展与成长壮大必须关
注的课题。本文研究了 SD省H商业银行的竞争能力,分析评价其优势和
劣势,有利于各方了解H商业银行的发展现状和存在的问题,从而探索出
促进包括H银行在内的中小商业银行健康发展的有效路径,具有重要的理
论意义和实践价值

本研究首先回顾了国内外基于财务指标、引入非财务指标、基于效率
测算的商业银行竞争力研究成果,然后在以往研究成果的基础上,结合H
商业银行实际构建了竞争力评价指标体系。在明确了调研对象后,通过调
查问卷的形式进行了调研,并对回收的有效问卷进行了描述性统计和因子
分析,从环境适应能力、业务稳定性、盈利能力、客户服务能力、资产质
量、流动性、客户沟通能力等方面对H商业银行竞争力进行了评价

通过实证分析得出以下结论:第一,H商业银行综合竞争力位居第25,
名次比较靠后,说明H商业银行综合竞争力较弱。第二,H商业银行在其
他的方面,如资产流动性、资产质量、资产稳健性等国家具有监管要求的
方面,其水平相对较低,综合竞争力位居末位,第三,H商业银行的环境
适应能力不强,面对环境变化缺乏应变对策,近几年的净资产收益率一直
处于低位。第四,H商业银行缺乏高效的客户服务和沟通技能,缺少现代
化的辅助设施

结合研究结论,本文提出的政策建议包括:第一,保持良好的资本充
足性,保证经营安全性和稳定性;第二,保持适度流动性,增强经营安全
等针对优势的发展策略;第三不断提升提高应对环境变化的应变能力;有
效降低管理成本,提高资产收益性;第四,注重客户沟通和服务能力的培
育,形成客户服务理念,积极引进现代化的沟通辅助设施等针对劣势的发
展策略;
关键词:商业银行,综合竞争力,评价
I
ABSTRACT
Research on Comprehensive Competitiveness of Commercial
Banks
ABSTRACT
The development of urban commercial banks started late, there are small
scale, imperfect management and so on. In the fierce market competition, how
to overcome their own weaknesses, to seek sustainable development is an
important issue facing the city commercial banks. This paper studies the
competitive ability of SD provincial commercial banks, analyzes and
evaluates its advantages and disadvantages, and is conducive to understanding
the development status and existing problems of H commercial banks, so as to
explore the promotion of the healthy development of small and medium-sized
commercial banks, including H Bank The effective way, has important
theoretical value and practical significance.
This paper first reviews the domestic and international financial
indicators, the introduction of non-financial indicators, based on the efficiency
of commercial banks competitiveness of the research results, and then build a
commercial bank competitiveness evaluation index system and reference
sample selection, and the sample factor analysis, The competitiveness of H
commercial banks was evaluated from the aspects of environmental
adaptability, sound management ability, profitability, customer service ability,
asset quality, liquidity and customer communication ability.
The results show that: First, the comprehensive competitiveness of H
commercial banks is poor, the competitive advantage is not obvious, in the
sample bank competitive ability ranked 25th, in the city commercial banks in
the comprehensive competitiveness close to the middle level, many aspects to
be improved; Second, in line with the requirements of national regulatory
requirements, H commercial banks performed poorly, the overall
backwardness and industry level, and even living in the last bit; third, H
m
北京化T.人学硕I.学位论文
commercial banks environmental adaptability is lower than the industry
average, unstable development; profitability Weak, return on net assets
showed a downward trend; Fourth, H commercial bank customer service and
communication skills traditionally backward, low efficiency, little
development and innovation, no application of modern and efficient
technology and means.
According to the conclusion of the study, the policy recommendations in
this paper include: first, to maintain good capital adequacy, to ensure the
safety and stability of the operation; second, to maintain moderate liquidity,
enhance business safety and other advantages of the development strategy; 4,
to strengthen customer communication and service capacity building,
strengthen the sense of service, enhance service skills and ability for the
development of inferior strategies; to improve the efficiency of the
management of enterprises,
KEY WORDS: H commercial banks, Comprehensive competitiveness,
Evaluation
IV
0^
目录
第一章绪论 1
1.1研究背景、目的及意义1.1.1研究背景 1
1. 1.2研究目的 1
1. 1.3研究意义 2
1.2论文主要研究内容、框架和研究方法1.2. 1论文研究内容和思路1.2. 2论文框架 3
1. 2. 3论文的研究方法1. 3本文的创新之处第二章商业银行竞争力研究述评2. 1国外研究现状综述2. 1. 1基于财务指标的商业银行竞争力研究2. 1. 2引入非财务指标的商业银行竞争力研究2. 1. 3基于效率测算的商业银行竞争力研究2.2国内研究现状综述2. 2. 1基于财务指标的商业银行竞争力研究2. 2. 2引入非财务指标的商业银行竞争力研究2. 2. 3基于效率测算的商业银行竞争力研究2.3国内外研究评述第三章商业银行竞争力评价指标体系构建和研究样本选择3. 1商业银行竞争力评价指标体系构建3. 1. 1指标体系构建原则3. 1. 2商业银行竞争力评价指标体系构建3. 2参照样本选择3.2. 1中国银行业金融机构概况3. 2. 2研究样本选择理论依据3. 2. 3研究样本构成第四章H商业银行竞争力现状分析V
北京化工大学硕丨:学位论文
4. 1商业银行竞争力评价方法一-因子分析方法4. 1. 1因子分析法及其数学模型4. 1. 2因子分析法的基本步骤4. 2样本数据分析4. 2. 1数据检验 18
4. 2. 2数据处理原则4. 2. 3数据分析 19
4. 2. 4商业银行竞争力现状评价4. 3 H商业银行竞争力现状分析4. 3. 1环境适应能力4. 3. 2业务稳定性
21
4. 3. 3盈利能力 22
4. 3.4客户服务能力
23
4. 3. 5资产质量 24
4. 3. 6流动性 24
4. 3. 7客户沟通能力
25
4. 3. 8竞争能力综合分析
25
第五章H商业银行竞争能力纵向分析
27
5. 1研究样本及指标数据概述
27
5. 1. 1研究样本选择
27
5. 1.2指标数据 27
5.2竞争能力纵向分析
27
5. 2. 1环境适应能力
27
5. 2. 2业务稳定性
28
5‘ 2. 3盈利能力 28
5. 2. 4资产质量 29
5. 2. 5流动性 29
5. 2. 6客户沟通和服务能力
29
5. 3竞争能力综合分析
29
5. 3. 1 H商业银行竞争能力优势分析
29
5. 3. 2 H商业银行竞争能力劣势分析
30
5. 3. 3 H商业银行竞争能力综合分析
31
第六章H商业银行综合竞争力及发展对策分析
33
VI
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6. 1针对优势的发展策略
33
6. 2针对劣势的发展策略
33
6_ 3统筹协调发展策略
34
第七章结论与展望
37
7. 1结论 37
7.2展望 37
参考文献 39
_ 41
作者简介 43
导师简介 44
VII
CONTENTS
Contents
Chapter 1 Preface1. IResearch background, purpose and significance1. 1. IResearch Background1.1. 2Research purposes1. 1. 3Research Significance1. 2The main research contents, framework and research methods1. 2. IThe Content and Thinking of the Research1. 2. 2Paper framework1.2. 3The research method of the paper1. 3The innovation of this articleChapter2 A Review of the Research on the Competitiveness of
Commercial Banks2. 1A Summary of Foreign Research Status2. 1.IResearch on the Competitiveness of Commercial Banks Based on Financial
Indicators 5
2. 1. 2Research on the Competitiveness of Commercial Banks with Non - financial
Indicators 5
2.1.3Research on the Competitiveness of Commercial Banks Based on Efficiency
Estimation 6
2. 2A
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