互联网金融背景下我国商业银行竞争力的定量分析

Quantitative Analysis of Competitiveness of China 's Commercial Banks Under Background of Internet Finance

针对互联网金融背景下我国商业银行综合竞争力的评价问题,首先,选取五家国有商业银行、七家股份制商业银行和三家城市商业银行的15项变量指标,构建指标体系。其次,构建因子分析与回归分析模型,利用MATLAB软件提取5个主因子,求解出15家商业银行的综合竞争力并排名。结果表明:中国农业银行,中国建设银行,浦发银行,招商银行和交通银行的综合竞争力较强。最后,就商业银行的发展提出相关建议。

In order to evaluate the comprehensive competitiveness of China ＇s commercial banks under the background of Internet finance,first of all,15 variable indexes of five state-owned commercial banks,seven joint-stock commercial banks and three urban commercial banks were selected to construct the index system.Secondly,we established a factor analysis and regression analysis model,with MATLAB software,to extract five main factors and solve the comprehensive competitiveness of 15 commercial banks. The results show that the comprehensive competitiveness of Agricultural Bank of China,China Construction Bank,Shanghai Pudong Development Bank,China Merchants Bank and Bank of Communications are grater than other banks. Finally,we put forward some suggestions on the development of commercial banks.