中资商业银行竞争力实证研究——以国内14家商业银行为例

China comercail bank competitiveness demonstraive research——take China 14 commercial bank as example

随着金融市场的全面开放,银行业的竞争也日趋激烈,如何综合评价和提升中资商业银行的竞争力显得尤为重要。基于建立合理的竞争力评价指标体系,运用因子分析法对14家中资商业银行2009年各项竞争力指标数据进行定量分析,发现国有商业银行在规模实力、盈利能力、风险控制力和创新能力方面处于优势;股份制商业银行在资产质量和流动性方面处于优势,并指出提升各银行竞争力的对策建议。

With the full open of financial markets,banking industry has appeared fierce competition gradually,so it is particularly important on how to evaluate comprehensively and improve the competitiveness of domestic commercial banks.on the basis of building a reasonable competitiveness evaluation index system,I conduct a quantitative analysis using factor analysis of 14 commercial banks in the competitiveness index 2009 and find that the strength of state-owned commercial banks in terms of scale,profitability,risk control and innovation capacity are in a dominant position;joint-stock commercial banks in terms of asset quality and liquidity are in a dominant position.And at the end I will promote the suggestions which will increase the competitiveness of the banks.