摘要
近年来,随着金融科技的快速发展,商业银行正逐步突破物理网点辐射范围的限制,实现银行基层网点的发展转型。从新时期商业银行基层网点的发展历程和面临的新形势出发,本文确立了以"强转型为主,智转型为辅"的基层网点发展阶段,并据此选取商业银行基层网点竞争力评价指标,采用序关系分析法、熵权法和综合集成赋权法等测算指标权重,构建商业银行基层网点竞争力评价模型。在此基础上,本文运用该评价体系对基层网点竞争力进行实证分析,并得出相应发展建议。本文所构建的商业银行基层网点竞争力评价分析方法,其评价指标、权重分析法和评价分析思路具有普适性,可为商业银行基层网点竞争力评价以及发展转型提供重要的理论和决策参考。
Commercial bank branches have been undergoing significant development and transformation due to the development of FinTech which enables them to break the limits of physical radiation radius.Based on the development history and new situation of commercial bank branches in the New Era,this paper first establishes"strong transformation the first,intellectual transformation the second"as the principles for guiding the development of commercial bank branches,then accordingly selects indicators to measure their competitiveness,and constructs a competitiveness evaluation model using order relation analysis method,entropic method and combination weighting method.With this model,this paper empirically estimates the competiveness of commercial bank branches and proposes policy suggestions.The evaluation model and method used in this model have the potential to apply to all commercial bank branches and could be further developed for the benefits of commercial banks and regulators.
出处
《金融监管研究》
北大核心
2018年第6期62-75,共14页
Financial Regulation Research
关键词
基层网点
竞争力评价
评价体系
银行发展转型
Bank Branches
Competitiveness
Evaluation System
Banking Development and Transformation
