摘要
本文基于层次分析法构建了中国农村商业银行竞争力测度模型,采用中国东中西部三大区域11家主要农村商业银行2009年数据,实证分析了三大区域农村商业银行的现实竞争力与持续竞争力。研究结果表明:(1)东部区域的农村商业银行竞争力排名出现分化,与直觉判断不一致,但能从竞争力构成因素得到解释;(2)中西部区域的农村商业银行各项排名大体居中后,基本符合常识判断,但是持续竞争力方面排名较落后,长期发展后劲堪忧;(3)地理位置、改制时间长短、企业管理水平和组织成熟度等因素对中国三大区域农村商业银行竞争力水平有较大影响。
Based on AHP analysis,this paper builds a model to evaluate the competitiveness of China’s rural commercial banks.With the data of 11 rural commercial banks in China’s three regions,eastern,central and western,in 2009,the paper empirically analyses the real competitiveness and the sustainable competitiveness of the rural commercial banks in the three regions.The results of the study show that:(1)the competitiveness rankings of rural commercial banks in eastern region appear differentiation,which is inconsistent with intuition,but can be explained with competitive components;(2)in general,the rural commercial banks in central and western regions rank in middle or behind,which is consistent with common judgment,but their sustainable competitiveness comparatively rank behind and their potential of long-term development is worrying;(3)geographical location,the length of time after restructuring,enterprise management and the mature of organizations and other factors greately impact the competitiveness of rural commercial banks in China’s three regions.
出处
《金融论坛》
CSSCI
北大核心
2012年第6期39-49,共11页
Finance Forum
关键词
农村商业银行
竞争力
流动性
农村金融机构改革
rural commercial bank
competitiveness
liquidity
the reform of rural financial institution
