西部地区城市商业银行竞争力比较

Comparison of Commercial Bank's Competitiveness in the Western Region City

随着利率市场化改革的推进和互联网金融的发展,商业银行面临的竞争压力越来越大。针对我国西部12省(区、市)城市商业银行构建竞争力评价体系,采用主成分分析法对其竞争力进行了比较研究。结果表明,规模经济对于商业银行竞争力仍然重要,合理的资产负债结构对于商业银行盈利能力也十分重要,商业银行在竞争力的各方面往往并不均衡。提升西部地区城市商业银行竞争力,应追求有质量的规模增长,突出服务小微企业和实体经济,突出品牌建设,强化服务,提升电子化水平。

With the marketization reform of interest rate and the development of internet financial, the pressure of competition of commercial banks is more and more big. This paper constructed the competitiveness evaluation system in view of 12 western provinces （area, city） city commercial bank, and used the method of principal component analysis to compare the competitive. Results show that, the economy of scale is still important for the competitiveness of commercial banks, the reasonable structure of assets and liabilities are also very important to the profitability of commercial banks, commercial banks in various aspects of competitiveness are often not balanced. To improve the competitiveness of city commercial banks, we should pursuit quality growth of scale, outstand services to small and micro enterprises and economic entities, highlight the brand construction and strengthen service, enhance the level of computerization.