【作者】 丁欢新；

【导师】 唐吉平；

【作者基本信息】 浙江大学 ， 金融学， 2003， 硕士

【摘要】 随着我国改革开放和金融体制改革的不断深入，使得我国银行业得到前所未有的快速发展。但和实力强大的外资银行相比，中国商业银行的竞争力水平非常低下。目前，我国商业银行、特别是国有商业银行，存在着经营效益低下、金融创新乏力、资产质量很差等许多方面的问题。我国已加入了WTO，在剩下不到三年的保护期后，几乎整个金融市场将向全世界打开，我国商业银行将在没有政府行政保护的环境中，面临与实力雄厚、极具竞争优势的国外大型商业银行的竞争和挑战。因此，提高我国商业银行竞争力无疑具有相当大的理论意义与现实意义。商业银行竞争力水平是通过比较而产生的相对的概念。提升我国商业银行竞争力的前提是对目前我国商业银行竞争力水平有正确的评价。然后，在此基础上，找出影响其竞争力水平的关键因素，给出提升竞争力水平的对策和措施。本文正是在这种特殊的背景下，就分析和评价我国商业银行竞争力水平所做的尝试。 本文分析思路：首先从企业竞争力理论回顾入手，阐述了企业竞争力基本概念和特征，详细分析了商业银行竞争力的内涵，进一步明确了商业银行竞争力的特殊性，概括和总结了包括知识创新要素、组织能力要素和基础环境要素三个方面的商业银行竞争力构成要素，并对银行竞争力分析方法进行回顾和简要点评，为构建商业银行竞争力指标体系提供了理论支持。然后，本文在上述分析基础上，运用层次分析方法，比较科学地处理了体系设置中指标权重问题，构建了具有系统性、实用性特征的商业银行竞争力评价指标体系。在实证分析部分，本文以我国十四家商业银行和部分国际大银行为分析对象，先后通过国内银行间排名分析、国内银行间多年趋势分析以及国内外部分银行排名分析，详细剖析了我国商业银行竞争力状况，并找出了我国商业银行最薄弱的制约因素。措施分析是在实证分析结论的基础上展开的简要对策分析，是实证研究结论的引申。 理论分析和实证分析相结合是本文分析的特点之一。全文运用多种分析手段，力求使文章具有深度和广度。在理论阐述部分，本文采用比较和引申的分析思路；构建银行竞争力评价指标体系，则采用层次分析方法；实证分析采用比较分析与趋势分析相结合的分析手段。 本文的创新之处在于:在企业竞争力理论分析基础上，通过分析和阐述银行竞争力内涵特征与构成要素，运用层次分析方法，构建了比较完整的银行竞争力评价指标体系，并以此评价指标体系，在国内外商业银行之间进行实证分析，最终得出我国商业银行竟争力最薄弱的环节，并给出相应的措施和策略。更多还原

【Abstract】 With the advancement of china’s opening-up and financial system reforming, this country’s banking industry has made unprecedentedly great progress. However, the competitiveness level of Chinese commercial banks is still far lower than that of the powerful foreign counterparts. At present, many problems exit concerning Chinese commercial banks, especially the state-owned commercial banks, such as conducting inefficiency, lacking of creativity, the worriable quality of capitals and so on. Nowadays, China has entered the WTO. During the following three-year protection period, almost China’s whole financial market will be opened to the entire world, and the Chinese commercial banks will have to confront the competition and challenge from the powerful, advantaged large-sized foreign commercial banks without the government’s protection. So it is pretty meaningful to discuss how to improve the competitiveness of Chinese commercial banks both in theories and reality. The relative concept of competitiveness level of commercial bank is derived from comparison. The premise of improving competitiveness of Chinese commercial banks is to correctly assess the present Chinese commercial banks’ competitiveness level. And then, we cloud find the key causes influencing the competitiveness level based on the assessment, and propose the policies and measures to improve the competitiveness level. It is under the above background that the author tries to analyze and evaluate the competitiveness level of Chinese commercial banks.This article’s analytic clue is that: firstly, the author elaborates the basic concept of enterprise competitiveness and features of it by reviewing the theory of enterprise competitiveness, analyzes the substance of competitiveness of commercial bank in details, further confirms the specialities of commercial bank’s competitiveness, generalizes the comprising causes of commercial bank’s competitiveness, including knowledge creating cause, organizing capacity cause, fundamental conditional cause, reviews and commentates briefly the analyzing methods of bank competitiveness, thereby offers the theoretical support to build up the index system of commercialbank’s competitiveness. Then, the author constructs a systematical, practical evaluating index system of commercial bank’s competitiveness based on the aforementioned analysis through applying the Analytical Hierarchy Process and disposing scientifically of setting the index priority right of the index system. In the part of empirical analysis, taking 14 Chinese commercial banks and some international large-sized banks as the analytic objects, the author has an insight into the situation of the Chinese commercial banks’ competitiveness and finds the weakest restraint of the development of Chinese commercial banks, through the analysis of internal banks index, internal banks development trend, and some internal and external banks index. The part of measure analysis focuses on the analyzing of main policies on the basis of the results of empirical analysis, and it is an extension of empirical research conclusion.Combining theoretical analysis and empirical analysis is the one of features of this article’s analysis. The author applies the various analyzing measures in order to make the content deeper and broader. While the writer narrates the theories, the article is explored in a comparative and extended way; When constituting the evaluating index system of bank competitiveness, the author uses the Analytical Hierarchy Process; The part of positive analysis is adopted an analytical method combining comparative analysis and tendency analysis.The creative points of the article are: the writer constructs a relative complete evaluating index system of bank competitiveness based on the theoretical analysis of enterprise competitiveness by analysis and elaboration of the substantial features and comprising causes of bank competitiveness, applying the Analytical Hierarchy Process, and according to this evaluating index system the writer makes the positive analysis更多还原