引入金融伦理的商业银行核心竞争力指标体系研究

An Index System of Core Competition of Commercial Banks Introducing Financial Ethic thinking

金融理论、管理科学以及应用伦理学的发展,日益揭示了金融活动的伦理属性。近年来一系列金融丑闻的爆发,使人们日益认识到金融伦理的重要性。金融伦理是影响商业银行核心竞争力的关键因素。作为核心价值观念和行为规范的金融伦理内在地渗透到商业银行的组织、管理、运营等各个环节当中,从而影响商业银行的核心竞争力。从商业银行核心竞争力主要特征的角度,遵循指标体系设计的原则,设计出了5个一级指标17个二级指标和40个辅助识别性三级指标的商业银行核心竞争力评价指标体系,对提升商业银行的核心竞争力有一定参考作用。

With the development of financial theory, management science and applied ethics, the ethical property of financial activities has been increasingly revealed. In recent years, a series of financial scandals makes people become increasingly aware of the importance of the financial ethic. The financial ethic is a key factor which influences the core competition of commercial banks. It working as core value concepts and behavior principles is inherently infiltrated into various aspects of commercial banks, such as organization, management, operation, etc. Accordingly, the financial ethic affects the core competition of commercial banks. From point of view of the core competition of commercial banks, a core competition evaluation index system of commercial banks including five first level indexes, 17 second level indexes and 40 three-level indexes is designed. The system is likely to enhancing the core competition of commercial banks.