摘要
商业银行竞争力关系着银行的生存和发展,构建科学全面的商业银行竞争力评价体系,对于指导商业银行积极应对金融一体化挑战具有重要意义。通过借鉴前人对商业银行竞争力的研究成果,综合考虑选用了盈利性、成长性、安全性三个方面的10个子指标构建商业银行竞争力评价体系,运用因子分析法对我国22家商业银行近几年的竞争力进行评价比较研究。得出竞争力从强到弱依次为城市商业银行、股份制银行和国有商业银行。建议加强股份制银行的资产质量控制,加强城市商业银行的创新能力,增强国有商业银行的国际竞争能力,并全面加强金融监管。以促进商业银行综合竞争力的稳健发展,进而为我国经济的持续高质量增长和经济新常态的运行提供保障。
The competitiveness of commercial banks is important to their survival and development. Therefore, building a scientific and comprehensive system to evaluate the competitiveness of commercial banks is of great significance in guiding commercial banks to actively respond to the challenges of financial integration. By drawing on previous research results on the competitiveness of commercial banks, 10 sub indicators concerning profitability, growth opportunity and safety are selected to build the system, with a factor analysis method used to evaluate the competitiveness of 22 commercial banks in recent years. The ranking of competitiveness, from strong to weak, is the city commercial banks, joint-stock banks and state-owned commercial banks. It is suggested to strengthen the asset quality control of joint-stock banks, strengthen the innovation ability of city commercial banks, enhance the international competitiveness of state-owned commercial banks, and intensify financial supervision in an all-round way. In so doing, the sound development of the comprehensive competitiveness of commercial banks could be promoted for providing a guarantee for the sustained and high-quality growth of China＇s economy and for the operation of the new normal economy.
出处
《商业经济》
2017年第12期153-155,共3页
Business & Economy
基金
齐齐哈尔市科技局软科学项目(R KX-201402)
黑龙江省社会基金规划项目(14B077)
关键词
因子分析法
商业银行
竞争力
factor analysis method, commercial banks, competitiveness
