【作者】 孙茂林；

【导师】 王树恩；

【作者基本信息】 天津大学 ， 管理科学与工程， 2013， 博士

【摘要】 随着金融在现代市场经济中的地位越来越重要，金融体系的规模大小、效率高低、抗风险能力强弱，已经成为推动或制约一个国家经济发展的重要因素。作为金融体系的核心，体现了一定社会制度、经济环境、经济体制、人文背景、技术条件、社会综合发展水平下，商业银行生存、竞争和可持续发展综合能力的商业银行核心竞争力越来越成为人们研究的重点。那么什么是商业银行竞争力？商业银行竞争力包括哪些因素？商业银行如何在市场竞争中保持较高的竞争力？……如何解决这些问题，如何在客观分析我国商业银行核心竞争力现状的基础上，对我国商业银行的综合竞争力进行理论研究，提出增进我国商业银行核心竞争力的主要途径与策略，就越来越显得意义非凡、刻不容缓。鉴于此，本文将重点研究以下内容：1．在国内外有关商业银行核心竞争力研究现状回顾的基础上，阐述了论文选题的现实背景、选题依据与研究价值，界定了论文的主要研究内容、研究方法、研究思路和结构框架。并从商业银行竞争力内涵剖析入手，对西方竞争力和马克思关于竞争力的理论进行了回顾，着重对商业银行竞争力与其他组织竞争力之间的区别与特殊性进行了阐述，对其竞争力演化过程进行了分析，为后续研究奠定基础。2．通过对我国商业银行发展历程的回顾，分析了我国商业银行运作模式的制度变迁。并对国外商业银行竞争力进行了借鉴分析，剖析其合理性和适应性，从而总结出我国商业银行竞争力演变路径的管理。3.主要从两个方面剖析了我国商业银行竞争力的影响维度，从内部来看，商业银行的战略、文化、制度结构、内部治理都在很大程度上决定了其市场竞争力大小；从外部来看，环境维度、风险控制更决定了商业银行竞争力的外部适应性。并在这两方面分析基础上，运用灰色关联度和系统聚类方法对我国商业银行竞争力现状进行了评述，并得出了相关结论。4.运用因子分析方法，从实证分析的角度对我国商业银行竞争力进行了探析。通过对我国商业银行安全能力、盈利能力和发展能力三方面状态因素展开调查分析，即客观衡量了我国商业银行竞争力的发展现状和存在问题，又为国际大金融形势下商业银行竞争力的提升提供了思路和依据。5.在把握了商业银行竞争力的内涵、了解了我国商业银行的发展历程、洞悉了商业银行竞争力的影响维度、明确了我国商业银行竞争力的发展现状和存在问题之后，本章分别从制度、文化和结构角度对如何提升我国商业银行竞争力进行了剖析，增强了研究的实践应用性。更多还原

【Abstract】 Since finance has been of great importance in the modern market economy, its’size, efficiency, anti-risk ability of financial system have become significant factorswhich promote or restrain the development of a nation’s economy. As the core offinancial system, competitiveness of commercial banks, reflecting certain socialsystem, economic system, economic circumstance, cultural background, technicalconditions, social comprehensive development level, the survival, competition andsustainable development ability of commercial banks, becomes the focus of research.So what is the commercial bank competitiveness? Which factors are included? Howdo commercial banks maintain higher competitiveness in the market competition?And so on. Faced with these problems, it has been of extraordinary significance to putforward the main measures and strategies of promoting the core competitiveness ofcommercial banks in China, based on the objectively analysis of present situation ofcommercial banks’ core competitiveness in China.1. Beginning with the connotation analysis of commercial banks’competitiveness, the western theory of competitiveness and The Marx competencetheory are reviewed. Focusing on the difference and specific characteristics betweencompetitiveness of commercial banks and other organizations, this thesis analyzed thecompetence evolution process to set a foundation for further research.2.Through reviewing Chinese commercial bank development process, this thesisanalyses the institutional change of Chinese commercial bank operation mode, as wellas the reference analysis of foreign commercial bank competitiveness and theirsrationality and adaptability, thus summarizes the management of Chinese commercialbank competitiveness evolvement path.3. It mainly analyzed the influence dimensions of commercial banks, competitivepower in china from two aspects. Viewed from the inside, the strategy, culture, systemstructure and internal management of commercial banks determines the marketcompetitive to a great extent. From the exterior, environmental dimensions and riskcontrol even determines the external adaptability of the competitive power ofcommercial banks. On the basis of analysis, he reviewed the present situation ofcompetitive ability of commercial banks with grey relation analysis and systemclustering method and drawn relative conclusions.4. Using factor analysis, it explored the competitiveness of commercial banks inchina from the aspect of empirical analysis. It objectively measured the development situation of commercial banks, competitive power and provided ideas and basis forthe competitive of the commercial banks in the international financial situationthrough investigated and analyzed the factors of commercial banks in china, thesecurity ability, profitability and development ability.5.After get hold of the connotation of the competitiveness of the commercialbanks, understand the development history and know clearly of the influencedimensions of the competitiveness of the commercial banks and make clear the statusof development and problems of the competitiveness of the commercial banks inchina, this article analyzed how to enhance the competitive ability of commercialbanks from the aspects of system, culture and structure and improved the practicalityand applicability of the research.更多还原