江浙沪城市商业银行竞争力及其影响因素分析

Analysis on the Competitiveness and Influence Factors of City Commercial Banks in Jiangsu, Zhejiang and Shanghai

城市商业银行在促进地方经济发展和中小企业融资方面起着无可替代的重要作用。运用相关指标体系对江浙沪地区8家具有代表性的城市商业银行竞争力进行了比较分析,结果表明浙江城市商业银行竞争力领先,上海银行相对落后。但是2008年金融危机后,浙江多家城市商业银行出现了不良贷款率上升、拨备覆盖率下降的情况。影响江浙沪城市商业银行竞争力的主要因素是经济金融环境、政府干预行为、银行定位和发展战略。地方政府应逐步减少对城市商业银行的持股比例和行政干预,以扩大城市商业银行经营自主性和灵活性,提高经营效率。江浙沪城市商业银行应实施协同发展和错位发展战略,以提高整体竞争力并各自走出特色化发展之道路。

City commercial banks play an important role in promote regional ecunu^m,, u v financing. This paper analyzed and compared 8 city commercialbanks in Jiangsu, Shanghai and Zhejiang based on an applicable index system. The results indicate that competitiveness of city commercial banks is higher in Zhejiang, while lower in Shanghai. However, after global financial crisis in 2008, non-performing loan ratio increased and reserve coverage rate decreased in many city commercial banks in Zhejiang. The influence factors of competitiveness mainly includes economic and financial environment, government intervention and development strategy. Local government should gradually decrease holding ratio and administrative intervention, so as to increase independence and flexibility of city commercial banks. City commercial banks in Jiangsu, Shanghai and Zhejiang should implement a strategy that facilitates collaborative and diversified development, so as to improve overall competitiveness.