【作者】 陈光水；

【导师】 许文兴；

【作者基本信息】 福建农林大学 ， 农业经济管理， 2011， 博士

【摘要】 金融是现代经济的核心。在当今世界,没有强大的金融竞争优势,就不可能成为经济上的强国。而商业银行在金融体系中居主导地位,商业银行竞争力事关国民经济的大局与国家的国际地位。改革开放以来,我国商业银行竞争力虽然有了很大提高,但与国外商业银行和国民经济发展的要求相比,仍然有明显差距。农业、农村、农民问题始终是党和国家全部工作的重中之重,农业银行既要贯彻国家战略,切实肩负起服务“三农”的历史重任,又要遵循商业银行的内在规律,顺应银行业最新发展趋势和社会需求变化,参与全球化金融市场竞争。国内外学者对商业银行竞争力的已有研究,更多地考虑商业银行内在因素或质量因素,对内在因素与外部环境的相互作用较少涉及,很少甚至忽略了竞争力的速度因素,存在着针对性、系统性不够的局限性。根据复杂适应系统理论,商业银行竞争力不仅取决于内在力量,而且显著地受金融生态影响并作用于金融生态。商业银行竞争力的本质就是通过其感知与响应环境、配置与整合资源、创造与应用知识,再到更高层次的循环往复,在螺旋式上升中成就自身持续发展的能力。而竞争力动力学理论则认为企业竞争优势是由企业的质量和竞争速度来决定的。特别是金融产品模仿成本较低,几乎没有进入壁垒,速度因素对商业银行竞争力显得尤为重要。在此背景下,以复杂适应系统理论、竞争力动力学理论等为基础,运用系统分析方法,从三维模型(资源维、速度维、生态维)、五力内涵(决策力、创新力、学习力、执行力、品牌力)和五性结果(安全性、流动性、盈利性、规模性、成长性)的新视角,深入进行以农业银行为实证的商业银行竞争力研究,具有积极的理论与实践意义。论文的研究思路和主要内容如下：第一,构建理论框架。在借鉴已有研究成果、引入相关研究概念的基础上,构建本研究的理论框架：一是商业银行竞争力三维模型构建。统筹内因与外因、质量与速度、过程与结果等方面因素,从资源、速度、生态三维视角构建商业银行竞争力研究模型,以期对商业银行竞争力的生成路径作新的探索。二是商业银行核心竞争力五力内涵研究。主要根据商业银行作为金融企业其产品不能申请专利,且模仿者可以依靠更低的成本、更优的服务战胜创新者的特殊属性,提出商业银行能够反应核心竞争力价值优越性、难以模仿性等特征的只能是文化力,并从决策力、创新力、学习力、执行力、品牌力五力内涵这一新的角度对商业银行核心竞争力文化力进行深入研究。三是商业银行竞争力评价体系构建。坚持系统性与层次性相结合、定性评价与定量评价相结合等原则,通过三维模型、五力内涵和五性结果三个子体系构建商业银行竞争力评价体系,对商业银行竞争力的形成过程和结果表现进行综合评价并相互验证。其中形成过程主要评价三维模型下的资源整合能力、快速反应能力、生态友好能力和五力内涵下的决策力、创新力、学习力、执行力、品牌力,结果表现主要评价五性结果下的安全性、流动性、盈利性、规模性、成长性。第二,进行实证研究。鉴于农业银行肩负着服务“三农”的重大使命,本论文选取农业银行作为实证研究对象,应用文献阅读、参与式调查分析、描述统计分析、层次分析等方法,以可比性较好的四大国有商业银行为样本银行,通过商业银行竞争力三维模型评价体系、商业银行核心竞争力五力内涵评价体系和商业银行竞争力五性结果评价体系,对农业银行竞争力进行全面、客观的比较分析。第三,提出政策建议：中国不缺一家上市的大型国有银行,更需要一家有效服务农村金融的商业性机构,农业银行的主要价值在于服务“三农”,“在特定领域争一流”应成为农业银行竞争力的核心思想。提高农业银行竞争力既要充分发挥比较优势,面向“三农”,做义利并重的银行；又要防止落入“比较优势陷阱”,服务城市,做差异发展的银行；布局全球,做放眼世界的银行,走出一条既确保“三农”功能又符合商业可持续发展模式的双赢之路。更多还原

【Abstract】 Finance is the core of modern economy. In today’s world, no strong financial competitive advantage, is impossible to become economic power. And commercial Banks in leading position in the financial system, commercial Banks relates to the overall competitiveness of national economy with the nation’s international status. Since the reform and open policy, our country commercial bank competitive even though there is a great improvement, but with foreign commercial bank the requirements of the development of national economy, compared to still have obvious difference. Agriculture, countryside and farmers always is the party and national top priority of all our work, agriculture bank should not only to implement state strategy, and earnestly shoulder service "three agriculture", and the historical mission of commercial Banks should follow the internal law, conform with the banking industry and the social demands the newest development changes, financial market competition in globalization. Domestic and foreign scholars of competitiveness for commercial Banks to consider the existing research, more commercial Banks internal factors or quality factors of internal factors and external environment with little interaction, rarely even ignoring the competitive speed factors, exist pertinence, systemic enough limitations. According to the complex adaptive system theory, commercial Banks competitiveness depends not only on the inner strength, but by financial ecological influences significantly and used for financial ecological. The essence of commercial bank competitiveness is through its perception and response to environmental, configuration and integration of resources, create and apply knowledge to the higher levels of silmultaneous spiral, in achieving their sustainable development ability. But competition dynamics theory argues that enterprise competitive advantage is the quality and by the enterprise competitive speed to decide. Especially financial products imitate lower costs, almost no barriers to entry, speed factors on commercial Banks competitiveness is particularly important. In this context, with the complex adaptive system theory, competitive dynamics theory, based, a systematic analysis method, from 3d model (resources dimension, speed dimension, ecological maintenance), five competitive forces connotation (decision making, innovation and learning capability, execution and brand) and five sex results (safety, liquidity and profitability, scale, growth) from a new Angle of agricultural bank, with in-depth for empirical research, the commercial bank has positive competitiveness of theoretical and practical significance. In this paper the complex adaptive system theory, competitive dynamics theory, based, a systematic analysis method, from 3d model (resources dimension, speed dimension, ecological maintenance), five competitive forces connotation (decision making, innovation and learning capability, execution and brand) and five sex results (safety, liquidity and profitability, scale, growth) from a new Angle of competitiveness of commercial Banks, theoretical analysis and empirical research. My research thought and main content as follows:First, the theoretical framework. The existing research results in reference, the introduction of related research based on the concept of constructing the theoretical framework of this study:one is the commercial Banks competitiveness 3-dimensional model building. Overall internal and external causes, quality and speed, process and result from the aspects of resources, speed and ecological building three-dimensional view of commercial bank competitiveness research model of commercial Banks, so as to make new generation of competitiveness path exploration.2 it is commercial bank core competitiveness. Five connotation Mainly based on the commercial Banks as a financial enterprise its product not patent application, and replicatorshave depend on lower cost and better service win over innovators, and puts forward the special properties of commercial bank can reaction core competitiveness value superiority, difficult to mimetism characteristics of the cultural, and is only from decision making, innovation and learning capability, execution and brand connotation of this new Angle five core competitiveness to commercial Banks strength have been studied. Three is commercial bank competitiveness evaluation system. Insist on systemic and hierarchy, combining qualitative evaluation and quantitative evaluation principles, through such as combination of 3d model, five competitive forces connotation and five sex results three sons system construction commercial Banks competitiveness evaluation system of commercial Banks, forming process and results of competitiveness performance to evaluate and mutual verification. The forming process of the main evaluation 3d model of resources integration ability, rapid response capability, eco-friendly ability and five competitive forces connotation decision making, innovation and learning capability, execution and brand, the results show major evaluation result under five sex of safety, liquidity and profitability, scale, growth. Second, empirical research. In view of agricultural bank shoulder service "three agriculture", this paper the great mission of agricultural bank as empirical research selected object, application literature reading, participatory survey analysis, descriptive statistic analysis, hierarchical analysis method, so as to comparable good four state-owned commercial Banks as sample bank, through the commercial Banks competitiveness of 3d model evaluation system, commercial bank core competitiveness five competitive forces connotation and evaluation system, and commercial Banks competitiveness evaluation index system, five sex results of agricultural bank competitiveness comprehensive and objective comparative analysis.Third, policy recommendations:China does not lack a listing of the large state-owned Banks, more need a effectively serve the rural financial commercial organization, the main value of agricultural bank of "agriculture, countryside and farmers" is to serve in a particular field, "struggle first-class" should become the core competitiveness of agricultural bank thoughts. Improving agricultural bank competitiveness should fully exert comparative advantage, face "three agriculture" equal justice, do the Banks; And to prevent fall into the comparative advantage trap ", service city, the development of bank; do differences Layout of global, do looking at the world bank, out of a both to ensure that "SAN nong" function and in conformity with the win-win business sustainable development model road.更多还原