基于投入产出表的商业银行竞争力研究

【作者】 耿坤仑；

【导师】 孙慧钧；

【作者基本信息】 东北财经大学 ， 统计学， 2007， 硕士

【摘要】 2007年是中国银行业全面开放的第一年，我国银行业与全球金融业的一体化水平将进一步提高。随着综合国力增强，金融体制改革、宏观环境变迁，特别是在国有商业银行财务重组和改制上市取得突破性进展的大背景下，如何积极稳妥实施“走出去”国际化战略，迅速实现与全球金融业的融合，在全球化的竞争中不断增强经营管理能力和市场竞争力，已经成为我国商业银行面临的一个重要战略问题。因此，对我国商业银行竞争力进行客观、全面地分析和评价，并制定行之有效的竞争力提升策略，是保持我国银行业乃至整个金融业稳定的关键。本文首先从企业竞争力的一般理论入手，概括出商业银行竞争力就是商业银行在市场竞争中，以“盈利性、安全性、流动性”为经营准则，在有效利用并创造资源的基础上，在金融产品的经营和服务等方面，比竞争对手更好、更快、更安全地满足消费者需求，为商业银行带来更多的收益，进而促进商业银行持续发展的能力。然后，在借鉴国内外权威机构和学者已有研究成果的基础上，尝试编制了商业银行业务与投入产出分析理论相结合的商业银行投入产出表，将投入产出分析方法运用到银行竞争力研究中。文章由以下五部分组成：第一部分，引言部分。第二部分，商业银行竞争力的理论分析。根据企业竞争力和商业银行的概念，提出商业银行竞争力的定义，并分析了商业银行竞争力的理论依据和构成要素。第三部分，商业银行投入产出分析理论。该部分主要介绍了商业银行投入产出表的填制以及投入产出模型。第四部分，商业银行竞争力投入产出实证分析。首先阐述了商业银行使用投入产出表进行分析的优点，构建了商业银行竞争力评价体系；然后具体介绍如何使用投入产出表进行竞争力分析的；最后以大连市商业银行为例进行实证分析。第五部分，提高我国商业银行竞争力的对策研究。该部分从商业银行自身的改革和发展，以及我国银行业的经营环境等方面探讨提升我国商业银行竞争力的措施。用投入产出分析法来评价商业银行竞争力将为我国商业银行评估其自身实力提供很好的技术方法，并利于其采取相应对策来增强竞争实力。我们相信，我国商业银行竞争力水平的提高最终将有助于我国金融业的稳定发展。更多还原

【Abstract】 The Chinese banking is completely opened in 2007. The integration level of the Chinese banking and global finance industry will be improved further. Along with comprehensive national strength strengthened, the financial system reformed and overall environment changed, especially under the major background that state-owned commercial banks’ finance reorganization and restructuring to be listed have achieved many breakthroughs, how actively carry out internationalization strategy named walking out, rapidly achieve fusion with global finance industry, continuously strengthen management ability and market competition in the global competition, have already become a matter of strategic importance that Chinese commercial banks must be faced with. Then, to conduct objective and systematic analysis and appraisement of the competitiveness of Chinese commercial banks and provide effective strategies to improve their competitiveness is the key to keep the stabilization of Chinese banking and the whole financial industry.On the basis of elementary of enterprise competitiveness,this paper puts forward commercial bank competitiveness that the commercial banks , in the market competition, taking earnings, safety and mobility as business principles, on the foundation of making effective use of and creating resources, meet consume needs further better, faster and safer than the competitors in financial products and services, and then promote their lasting and developing ability. Subsequently, with studying existing research results of authorities and scholars from home and abroad, the author try to compile Input-Output chart of commercial banks combined commercial banks transaction with Input-Output analysis theory, and puts Input-Output analysis method into the research of banks’ competitiveness. The article is constituted by the following five parts: The first part is foreword.The second part details the theory of the competitiveness of commercial banks. According to the enterprise competitiveness and commercial banks, the thesis brings forward the define of the competitiveness of commercial banks, and analyzes the theory and the inscape of the competitiveness of commercial banks.The third part introduces Input-Output analysis theory of commercial banks, including how to fill in the Input-Output chart, and create the Input-Output mathematical model according to the chart.The fourth part makes empirical analysis about competitiveness of commercial banks. Firstly, it illustrates advantages of using Input-Output chart in commercial banks,then constructs evaluating index system of commercial banks’competitiveness. Secondly, it concretely introduces how we make Input-Output chart in competitiveness competitiveness analysis. Thirdly, it makes empirical analysis taking the case of Dalian City Commercial Bank.The fifth part puts forward to Countermeasures that how we improve commercial bank competitiveness. It provides specific Countermeasures of competitiveness improvement from their own reformation and development, business environment of Chinese banking and so on.It will provide a good technical method for Chinese commercial banks evaluating their own strength with input-output analysis, and be good for them to adopt Countermeasures to strengthen hand. We believe that improving the competitiveness of Chinese commercial banks will contribute to stable development of Chinese financial industry in the end.更多还原