基于因子分析的中国上市城商行竞争力研究

Evaluation and Analysis on Comparison of Launched City Commercial Banks Based on the Factor Analysis

针对中国上市的城市商业银行竞争力评价问题进行研究.首先,选择已上市的21家城商行9项变量指标建议指标体系.其次,构建因子分析模型,运用MATLAB软件提取4个主因子,并计算各个因子的得分函数和排名.最后,利用综合因子得分公式计算上市城商行的综合竞争力并排名.结果表明:宁波银行、贵阳银行、锦州银行、南京银行和重庆银行在上市的城商行中具体较强的综合竞争力.最后,根据上市城商行存在的问题,对上市城商行的发展提出相关的建议.

The comprehensive competitive power of the launched city commercial banks is evaluated in this paper.Firstly,nine evaluation indicators of twenty-one city commercial banks are selected to construct the evaluation system.Then,a factor analysis and regression analysis model is established,and four main factors with MATLAB is figured out to obtain the scores of the competitiveness of twenty-one city launched commercial banks.According to the results,Ningbo Bank,Guiyang Bank,Jinzhou Bank,Nanjing Bank and Chongqing Bank show greater performance in launched city commercial banks.Finally,efficient and effective suggestions on further improvement of the launched city commercial bank is put forwared.