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论文编号：	3247
作者编号：	2120092430
上传时间：	2011/6/6 10:13:27
中文题目：	我国上市商业银行竞争力的实证研究
英文题目：	Empirical Research on the Competitiveness of Listed Commercial Bank of China
指导老师：	戚安邦
中文关键字：	商业银行竞争力 层次分析法 熵权法 综合指标评价
英文关键字：	Competitiveness of Commercial Banks Analytic Hierarchy Process Entropy Method Comprehensive Index Evaluation
中文摘要：	中文摘要 随着我国加入世贸组织，经济对外开放程度逐步加大，越来越多的外资银行不断进入我国的金融市场。2007年，“五年保护期”政策已过，汇丰、花旗、渣打和东亚四家外资银行正式开始享受国民待遇，拉开了外资银行先后进入我国银行业的序幕，给我国商业银行带来了更大的竞争压力。随之而来的金融危机也对我国的银行业产生了严重的冲击。本文在此背景下研究我国商业银行的竞争力问题有重要的现实意义。我国银行业的竞争正在日趋激烈，金融体系的风险冲击也会逐渐加大，研究商业银行的竞争力有利于促进我国商业银行对自身进行全面的了解，在此基础上改善经营绩效，提高竞争力，得以快速发展。 本文以2007年以前上市的14家商业银行为研究样本，采用综合指标评价的方法从流动性、盈利性、安全性三个方面来考察商业银行的现实竞争力，并分析了包括现实竞争力和潜在竞争力在内的综合竞争力。研究中对于各个指标权重的确定尤为重要，本文采用了层次分析法和熵权法综合赋值的方法。层次分析法充分考虑了专家的知识和经验，以及决策者的意向和偏好，但仍然无法克服主观随意性较大的缺点；而熵权法则是一种完全客观的方法。两者相结合能利用各自的优点，确定的指标权重可信性较高。本文由此确定了各评价指标的综合权重，构建了上市商业银行的竞争力评价模型。 本文利用上述模型对我国商业银行2007-2009年间的竞争力进行了分析。结果表明，金融危机的影响是非常明显的，多数银行2008年的流动性与2007年相比有所下降，而在2009年有所好转，并且国有银行在克服危机从而实现发展上的能力较强；受到金融危机影响，各个银行的盈利能力发生了改变，而国有银行表现出了很强的发展潜力，盈利能力排名也都提前。国有商业银行和股份制商业银行的竞争力特点也不尽相同，在安全性上，股份制银行表现出明显的优势，国有银行在安全性方面表现的中规中矩，而且相对于股份制银行来讲，国有银行各年的安全性起伏不大，较为稳定；国有银行表现出很强的综合实力；在总的竞争力排名中，国有银行的优势十分明显。总体看来，国有银行在行业中的竞争优势还是十分明显的，本文针对上述发现提出了相关的改进建议。
英文摘要：	Abstract The economic structure makes the openness of the banking sector domestic lower, and the commercial banks are not subject to the impact of competitive pressures from foreign banks. With China's accession to the WTO, more and more foreign banks enter China's financial markets. In 2007, HSBC, Citibank, Standard Chartered Bank and Bank of East Asia started to enjoy the national treatment, which will bring about greater competition. The subsequent financial crisis had a serious impact on China's banking industry. Studying competitiveness of China's commercial banks has important practical significance. It will help to promote a comprehensive understanding of the commercial banks, improve performance and enhance competitiveness. In this paper, we select 14 listing commercial banks listed before 2007 as the study sample, and use the integrated index evaluation method from the liquidity, profitability and safety to examine the competitiveness of commercial banks, and analyze the comprehensive competitiveness. We use AHP and entropy method to determine the weights of each index. AHP is full account of the expert knowledge and experience, but still could not overcome the shortcomings of higher subjective and arbitrary. And entropy is a completely objective way. Combination of these two methods can use their own advantage. This paper confirmed the comprehensive evaluation weights of each index and build competitiveness evaluation model. Using the above model we analyze competitiveness of listed commercial bank in China between the year 2007 and 2009. The results show that the influence of financial crisis is very obvious. The liquidity of banks in 2008 decreased compared to 2007, but improved in 2009, and state-owned banks had stronger capacity to overcome the crisis. Because of the financial crisis, the profitability of the banks had changed, and state-owned banks showed a strong growth potential. State-owned commercial banks and joint-stock commercial banks were not the same competitive characteristics. The joint-stock banks showed a clear advantage in the security, the state-owned banks is relatively stable in terms of safety. State-owned banks showed a strong comprehensive strength. Overall, the competitive advantage of state-owned banks is still very obvious. In this paper, we raise the related recommendations for improvement according to these findings.
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