商业银行核心竞争力综合评价及提升路径研究

A Comprehensive Evaluation of Commercial Banks' Core Competitiveness and the Improving Ways

随着我国金融体系改革的日益深化以及银行业对外开放程度的不断加深,商业银行自身也面临着日趋激烈的竞争,所以提高核心竞争力成为商业银行生存与发展的必经之路。本文以现有的商业银行流动性、盈利性、风险性等指标为基础,建立了一套全面、综合的银行核心竞争力评价体系,运用该评价体系对我国商业银行核心竞争力进行综合评价,最终得到结论:我国商业银行核心竞争力在多元化服务、金融创新等方面仍存在不足,需要加强公司治理结构,加快转变业务经营模式,实施积极的"走出去"战略。

With the deepening of China＇s financial system reform and the opening of banking industry, commercial banks are also facing increasingly fierce competition, so that improving the core competitiveness of commercial banks has become the only way to survival and development. In this paper, based on the existing commercial bank core competence evaluation index, a comprehensive, integrated bank core competence evaluation system is set up and used in China＇s commercial banks＇ core competitiveness comprehensive evaluation. The conclusion is that the core competitiveness of China commercial banks has shortcomings in multi-element service and financial innovation so that company governing structure, business operating model and going global strategy should be enhanced.