基于蛛网模型的我国上市银行竞争力研究

Cobweb Model of the Study of Competitiveness on China's Listed Banks

文章将社会责任履行纳入我国上市银行竞争力评价指标体系中,并运用蛛网模型对我国8家上市银行进行实证分析,得出除建设银行外,国家控股商业银行总体竞争力略逊于股份制商业银行的结论。研究认为:2009年的巨量信贷会导致不良贷款生成的概率增大,我国上市银行应持续遏制不良贷款率,积极拓展中间业务。

This paper fulfill social responsibility into the evaluation index system of competitiveness of listed banks,and use the cobweb model to analysis eight listed banks in China,then it come to a conclusion that except China Construction Bank,the competitiveness of state - controlled commercial banks are slightly behind the joint - stock commercial banks.The study considers that a massive amount of credit in 2009 will lead to increasing probability of non - performing loan generating,China's listed banks should continue curbing the rate of nonperforming loans,and expanding intermediate business actively.