【作者】 胡勇；

【导师】 伍瑞凡；

【作者基本信息】 重庆大学 ， 工商管理， 2003， 硕士

【摘要】 中国加入世界贸易组织已有一年多，外资银行对国内银行业的冲击逐步加大，国内商业银行竞争日趋激烈。作为国内新兴股份制商业银行的招商银行，虽然具备综合实力强和经营业绩好，有自身特色的竞争能力和良好的品牌等竞争优势，但是在规模、盈利能力、抵御风险和管理模式等方面仍有不足。要实现“百年招银、股市蓝筹”的目标，研究招商银行的竞争力现状和提升策略，已是迫在眉睫的问题。 本文运用国内外银行的大量数据资料，对招商银行在市场占有能力、盈利能力和风险抵御能力方面与国内外银行进行了定性和定量的分析，对招商银行的竞争力进行了客观、系统的量化评价，提出了招商银行提升竞争力的基本思路和发展方向。 本文研究对象主要包括四大国有商业银行、十家股份制商业银行和优秀外资银行，从研究的结果看，目前国内银行业的竞争格局是国有银行仍垄断着资产、存款和贷款市场，但是从动态发展来看，垄断格局不断打破，竞争程度日益增加，股份制商业银行有较强的活力和较快的发展速度。在国内银行业中，招商银行规模居于前列，盈利能力和风险抵御能力较强，与国有银行相比，综合竞争能力是比较强的，发展的潜力很大，成长性很强，在10家股份制商业银行中处于领军地位，在4家上市银行中居于首位，但是与国外的优秀银行相比，在盈利能力和经营安全上也还存在较大的差距。 文章还提出了招商银行提升竞争力的定位、业务发展、风险管理、服务渠道建设、资本运作、国际化发展等六个方面的策略和所需的组织体系、信息系统和人力资源支持。 论文选择新兴股份制商业银行中极具代表性的招商银行，采用了理论分析和实证分析相结合的研究方法，进行了深入细致的分析和比较研究，其研究成果对国内其他股份制商业银行具有一定的借鉴意义。更多还原

【Abstract】 China has joined WTO already one year, foreign bank will pose impact on domestic banks progressively, the domestic commercial bank is becoming vigorous in competition. As the new developing shareholding commercial bank, China Merchants Bank possess fine business performance and comprehensive strength, with competitive advantages such as own characteristics competitive power and good brand , but still have deficiencies in scale, profit ability, risk resisting and management mode etc. T o realize goal of " Century-old bank, stock market blue raising ", study the competitiveness of China Merchants Bank and promote strategy, it becomes extremely urgent question.This text has conducted a systematic analysis on the data of the domestic and international banks, on the occupy in market ability, profit ability and risk resist ability of China Merchants Bank and other banks, objective and systematic evaluation is given to the competitiveness of China Merchants Bank, and gives basic thought and developing direction that China Merchants Bank promotes the competitiveness .The research object of this text includes four State-owned Commercial Bank, ten shareholding commercial banks and outstanding foreign banks mainly. As the result shows , the competition pattern of the domestic banking is that the state- owned bank is still monopolizing the assets, deposit and loan market at present, But from the development of trends, monopolize pattern break constantly, competition increases day by day, the shareholding commercial bank has stronger vigor and very fast develop speed, In the domestic banking, the scale of China Merchants Bank is in the front, profit ability and risk resist ability is better, compared with state-owned bank, comprehensive competitive power is stronger, the potentiality to develop is very great, the growth is very strong, in the lead of 10 shareholding banks, occupy the first place among four public-listed commercial banks ,but compared with foreign outstanding bank, disparity exists on profit ability and manage security.The article has proposed six strategy about the localization, the business developing, risk management, serve channel construction,, capital operation, internationalized development and organizing system, information system, human resources support that China Merchants Bank promotes the competitiveness .This paper has chosen China Merchants Bank that extremely representative in the new developing shareholding commercial bank, adopted research method combinedwith theory analysis and empirical analysis , has carried on deeply analysis and relatively study, its research results provide beneficiary reference for the growth of other shareholding commercial bank.更多还原