现代商业银行核心竞争力探讨

Discussion on the Core Competence of Modern Commercial Banks

核心竞争力是商业银行实现可持续发展的动力和源泉,随着我国金融行业的迅速发展,商业银行面临的竞争日趋激烈,这不仅影响到商业银行内部的市场结构和运行效率,还关系到整个金融体系的可持续发展。而迅速提高我国商业银行的核心竞争力,将成为各家商业银行普遍关注的焦点。本文简述了商业银行的竞争现状,商业银行核心竞争力的概念及基本特征,分析了商业银行核心竞争力存在的影响因素,从市场竞争强度、潜在进入者的威胁和银行产品替代效应方面进行了初步探讨,提出提升商业银行核心竞争力的建议,具有一定的参考价值。

Core competence is the driving force and source of sustainable development of commercial banks.With the rapid development of China's financial industry,commercial banks are faced with fierce competition,which not only affects the market structure and operation efficiency of commercial banks,but also affects the sustainable development of the financial system.Improving the core competence will be the focus of commercial banks.This paper briefly describes the competition situation of commercial banks and introduces the concept and basic characteristics of core competence.Then it discusses the factors affecting the core competence of commercial banks from market competition intensity,potential entrants and substitute products,and puts forward some suggestions.