我国上市城商行和农商行竞争力比较研究

Comparative Study on Competitiveness of Listed City and Rural Commercial Banks in China

城商行和农商行是我国多层次金融体系中举足轻重的组成部分,目前我国共有12家城商行和农商行在A股上市。通过选择这12家银行2016年的年报数据,从安全性、营利性、流动性、成长性、创新性等方面运用因子分析和聚类分析法对它们的竞争力进行比较研究,结果表明这12家银行的整体竞争力较弱,安全成长性最有必要加强,大部分城商行确实比农商行的综合竞争力强,但早上市的城商行并不强于晚上市的城商行,同时城商行和农商行的确物以类聚,但城商行内部综合竞争力差距较大,分布并不集中。已上市城商行和农商行应该加快转型发展,打造核心竞争力,在实现自身的安全健康发展的基础上,发展普惠金融,服务实体经济,为我国金融发展不平衡不充分问题而献力。

City commercial banks and rural commercial banks are the important components of the multi-level financial system in China, now there are 12 city and rural commercial banks listed on the a- share marketin China. The article selected the annual report data of 12 city and rural commercial banks in 2016, using factor analysis and clustering analysis from the aspects of safety, profitability, liquidity, growth, innovationto compare their competitiveness, the results showed that the overall competitiveness of listed city and rural commercial banks was weak, and safety-growth were most necessary to strengthen, meanwhile city commercial banks＇ competitiveness was basically better than rural commercial banks＇ competitiveness, but early listed is not better than late listed, at the same time, the city and rural commercial banks did gather together, while competitiveness inside the city commercial bankswere relatively large, and the distribution was not concentrated. Listed city and rural commercial banks should speed up the transformationdevelopment, build the core competitiveness, and developinclusive finance, service the real economyon the basis of realizing their own safety and healthy development, making efforts to solve imbalances and inadequate development in China.