中外商业银行竞争力状况分析

Analysis on Competitiveness of Commercial Banks at Home and Abroad

银行竞争力是关系到商业银行可持续发展的一个重要因素。本文从现实竞争力的角度出发,以具体的指标,即流动性、赢利性、资产质量、发展能力等四个方面,对我国与国外商业银行在竞争力方面进行了对比分析。分析结果显示我国商业银行与国外商业银行在竞争力方面仍然存在着比较大的差距,但这种差距有缩小的趋势。同时,本文还分析了造成中外商业银行竞争力差距的主要原因,并对如何提高我国商业银行的竞争力提出了建议。

Competitiveness is a key factor for sustainable development. With some indexes, that are mobility, productiveness, asset security and development ability, this thesis analyzed the distinctions between commercial banks at home and abroad in term of actual competitiveness. According to the analysis,we concluded that there are major distinctions and the main reasons that led to these dif- ferences,but the differences are in the trend to shrink, and at last we offer a proposal on how to improve the competitiveness of Chinese commercial banks.