城市商业银行竞争力影响因素研究--基于跨区域经营、特色化经营和金融市场参与度三个维度

Research on the Factors Influencing the Competitiveness of City Commercial Bank——Based on the Three Dimensions of Cross-regional Operation,Characteristic Operation and Financial Market Participation

城商行是我国商业银行中的一支重要力量,也是我国多层次银行体系中不可或缺的重要组成部分。城商行在近年的经营中,形成了差异化的发展模式,但这些模式孰优孰劣难以判断。本文基于企业竞争力理论,结合城商行安全性、盈利性、流动性和成长性,采用因子分析方法,对浙江12家城商行单位静态竞争力和单位综合竞争力分别进行了评估。在此基础上,从跨区域经营、特色化经营、金融市场参与度三个维度,分析城商行竞争力差异和变化的可能原因,进而提出未来发展的政策建议。

City commercial banks are an important force in China＇s commercial banks and an indispensable part of China＇s multi-level banking system. City commercial banks have developed differentiated development models in their operations in recent years, but these models are difficult to judge due to their merits. Based on the theory of corporate competitiveness, this paper combines the security, profitability, liquidity, and growth of city commercial banks, and adopts a factor analysis method to evaluate the static competitiveness and unit comprehensive competitiveness of 12 business units in Zhejiang. On this basis, from the three dimensions of cross-regional operations, characteristic operations, and financial market participation, the possible causes of differences and changes in the competitiveness of city commercial banks are analyzed, and the policy recommendations for future development are proposed.