商业银行竞争力评价——基于ANP模型的研究

The Evaluation of the Commercial Bank's Competitiveness——A Study based on the ANP Model

本文利用ANP模型建立商业银行竞争力评价模型,评价过程和结果表明:对商业银行竞争力的评价需要将绩效、资源、管理和创新等多个方面综合起来,立足于现实竞争力,同时放眼未来考虑其可持续发展的能力。商业银行竞争力评价除了要考察其可量化的指标之外,定性指标也必不可少,通过专家访谈或者客户问卷调查,可以保证定性指标的客观性和可比较性。本文在评价过程中除了考虑到评价指标间和银行间的相互依存关系,还加入了银行对指标的反支配作用。在已上市的国有商业银行中,工商银行竞争实力最强,中国银行次之,建设银行、交通银行、农业银行分别列三、四、五位。

With the ANP model, this paper constructs an evaluation model of commercial bank＇s competitiveness. The evaluation process and results show that： to evaluate a commercial bank＇s competitiveness, it is necessary to integrate the performance, the resources, the management and the innovation and so on, to be based on the real competition and meanwhile, to consider its future sustainable capacity for development. To evaluate a commercial bank＇s competitiveness, besides the quantifiable indicators, the qualitative indicators must also be examined. Interviews with experts and customer surveys can ensure the objectivity and com- parabihty of the qualitative indicators. In the evaluation process of the paper, besides the interdependence between the evaluation indexes and the bank, the bank＇s anti-dominant function to the indicators is also considered. Among the listed state-owned commercial banks, ICBC has the strongest competition, followed by Bank of China, and CCB the third, Bank of Communications the fourth.