【作者】 李学斌；

【导师】 王光伟；

【作者基本信息】 苏州大学 ， 金融学， 2002， 硕士

【副题名】体制因素及环境因素的比较

【摘要】 面对加入WTO后愈加激烈的国际和国内银行业竞争，如何提高国有商业银行的经营效益，进而提高其竞争力，是不可回避而又迫切需要尽快研究的课题。本文对国有商业银行与国内股份制商业银行及国外主要发达国家银行业的主要经营效益指标进行了较为系统的比较分析。通过大量的数据比较，可以清楚地看到我国商业银行的经营效益远不如国外银行，而国内国有商业银行的效益又不如股份制商业银行。论文从产权制度理论入手分析了国有商业银行与国内股份制商业银行效益差距产生的原因；从环境因素(非产权因素)入手分析了国内商业银行与国外商业银行效益差距产生的原因，由此得到国有商业银行经营效益低下的主要原因既有体制因素也有环境因素。最后提出了针对性的对策建议。更多还原

【Abstract】 Facing increased competition both in foreign and domestic banking industry after entering WTO, how to improve the management efficiency and the competitive ability of state-owned commercial banks has become an urgent and unavoidable research subject. In the paper the author compared state-owned commercial banks with domestic shareholding commercial banks, and with banks of developed countries in terms of main indexes. It is obvious that the management efficiency of state-owned commercial banks is much lower than that of foreign banks and the management efficiency of state-owned commercial banks is lower than that of domestic shareholding commercial banks. The author analyzed the cause of the gap between state-owned commercial banks and domestic shareholding commercial banks from property right theory. At the same time, the author also analyzed the cause of the gap between domestic commercial banks and foreign commercial banks from environment factors. It follows that the cause for state-owned commercial banks’ management efficiency being lower is both institutional factors and environmental factors. Finally the author advanced corresponding suggestion.更多还原