基于因子分析法的我国商业银行竞争力分析

The Competitiveness Analysis of Chinese Commercial Bank Based on the Factor Analysis Method

从盈利能力、偿还能力、成长能力和营运能力四个角度选取12个财务指标构建评价指标体系,运用因子分析和主成分分析计算我国8家股份制商业银行的综合竞争力值并进行排名。分析结果表明:兴业银行、光大银行、浦发银行在8家股份制商业银行中的总体竞争力较强,其他各家银行排名则相对落后。各家银行应根据公共因子排名的先后顺序找出自身的优劣势,着力提高总体竞争力。

This paper selects 12 financial indicators to establish an evaluation system according to tt^e tour aspects of profit ability, repay ability, growth ability and operation ability, and calculates the comprehensive competitiveness of eight joint - stock commercial banks in China and ranks them by taking the method of factor a- nalysis and principal component analysis. The analysis results show that IB, CEB, SPDB, these three banks, exceed other banks in competitiveness, other hanks＇ranking falls behind relatively. These banks should find out their own advantages and disadvantages based on the common factors ranking to improve their overall competitiveness.