提高我国商业银行核心竞争力的对策.pdfVIP

提高我国商业银行核心竞争力的对策 摘 要 金融是现代经济的中心，银行是金融业的核心。随着全球经济一体化的发展和外资银行 的进入，我国金融格局发生了深刻的变化。面对市场经济条件下的激烈竞争，我国商业银行 急需提升核心竞争力。本文以我国五大国有商业银行为例，先定义商业银行核心竞争力的六 大关键要素，通过对其2010 和2011 年度的资本状况、资产质量、盈利能力和流动新进行分 析,评估我国国有商业银行的核心竞争力所存在的问题，进而对如何提升我国国有商业银行 核心竞争力给出对策和建议。 关键词：商业银行；核心竞争力；分析；对策 Abstract Finance is the center of the modern economy, and bank is the core of the finance. With the development of the global economic integration and foreign banks entering to China, the financial situation in China has undergone profound changes. Facing more competitive challenges in the market economy, our commercial banks need improve their core competence urgently. At first the six key elements of the core competence of commercial banks are defined. The article analyzes their capital adequacy, asset quality, earnings and liquidity of our five state-owned commercial banks in 2010 2011 as the examples to evaluate their core competence and find the disadvantages, then put forward relative countermeasures and suggestions on how to enhance their core competence of our state-owned commercial banks. Key Words： Commercial banks; core competence; Analysis; countermeasure 1 目 录 摘要················································································································1 Abstract ·········································································································1 一、商业银行核心竞争力的内涵···········································································4 （一）核心竞争力的定义················································································4 （二）商业银行核心竞争力的内涵····································································4 1. 人力资源管理能力······································