提高国有商业银行竞争力的思考——基于某市国有商业银行的实证分析

Thinking over Improving Competition Power of State-owned Banks——A Practical Analysis on State-owned Banks in a City

随着经济金融全球化趋势的不断加强,国有商业银行面临如何构建和提升竞争力的问题。运用多目标评价模型对某市四大国有商业银行进行综合竞争力比较,结果表明,银行的竞争力和规模间并不存在正相关的联系,小规模银行的竞争力同样不可小视。因此,国有商业银行各分支机构应进行制度创新、发展特色服务、化解不良资产、注重人才的培育、全力推行全面成本管理、推行客户经理制,以不断提高自身的竞争力。

With increasingly strengthened tendency of economic being cofronted with problems of how to construct and accelerate and financial globalization, state-owned banks are competition power. A comparison of the four stateowned comprehensive competition power of commerical banks in A city by exploiting multi-target assessment pattern suggests that there is no positive relevance between competition power of banks and their size, and competition power of small-sized banks cannot be looked down upon. Therefore, subdivisions and branches of state-owned commercial banks should conduct institutional innovation, cultivating unique services, preventing bad assets, highlighting fostering of talents, promoting of overall cost management, realizing of client manager system, so as to steadily i prove competition power of their own.