美国金融危机对中国商业银行竞争力的影响研究

A Study on the Effects of U.S.Financial Crisis on the Competitiveness of Chinese Commercial Banks

利用《银行家》杂志提供的2006～2009年全球前1000家银行的财务指标数据,运用改进的蛛网模型分析国内外具有代表性的商业银行竞争力,研究显示2007～2008年,中国商业银行受到美国金融危机的负面影响要小,整体竞争力在此期间要高于国际大银行;在金融危机影响逐渐消退的2009年,中国商业银行竞争力相对于国际大银行有明显的下降,经营稳定性也远不如国际大银行。因此,中国商业银行应继续提升盈利能力和经营稳定性,增强自身的抗风险能力。

Based on the ＂Bankers＂ magazine which provided the financial indicators data of the world＇ s top 1000 banks from 2006 to 2009, this paper used the improved cobweb model to analysis the international competitiveness of the domestic and foreign banks. Due to the financial crisis, the competitiveness of Chinese Commercial Banks declined in 2007 yet improved in 2008 due to the proper responses. Relatively, the competitiveness of Chinese Commercial Banks was overall higher than International Banks, which subject to less negative impact of the financial crisis. In 2009, as the financial crisis fades away, China＇s competitiveness dropped significantly relative to international banks, which showed our banks operating stability was far less than International Banks. Chinese Commercial Banks should continue improving their profitability and operating stability, strengthening own anti -risk abilities.