中外商业银行竞争力研究——基于对因子分析法的实证研究

Research on Competitiveness of Chinese and Foreign Commercial Banks:An Empirical Study Based on Factor Analysis

随着全球经济一体化进程不断深入,如何在波诡云谲的竞争环境中稳步发展是所有商业银行都面临的一大挑战,因此,定位商业银行的核心竞争力变得至关重要。采用因子分析法,从盈利性、流动性、安全性、成长性四个方面对中外共15家商业银行进行研究,旨在定位影响商业银行核心竞争力的重要因素。实证分析得出,我国商业银行盈利水平在竞争中优势明显但整体风控水平较之世界知名银行偏低,建议在扩大经营的同时兼顾对资产质量的把控和对不良资产的处置力度,稳步提升国际竞争力。

With the deepening of global economic integration,how to develop steadily in the ever-changing competitive environment is a big challenge for all commercial banks.Therefore,it is of great significance to accurately position the core competitiveness of commercial banks.A total of 15 Chinese and foreign commercial banks were studied from profitability,liquidity,safety and growth through factor analysis,thus accurately positioning the important factors that affect the core competitiveness of commercial banks.The empirical analysis shows that China’s commercial banks have obvious advantages in the competition,but their overall risk control level is lower than that of the world renowned banks.It is suggested to take into account the control of asset quality and the disposal of non-performing assets while expanding operation,and steadily improve the international competitiveness.