1305徐珂信计一班要点解析.docVIP

山东财经大学 本科学年论文(设计) 题目： 商业银行竞争力分析 学 院 金融学院 专 业 金融学 班 级 金融学辅修（）商业银行竞争力分析 摘 要 随着银行业的自由化、全球化及信息技术的进步,尤其是我国银行业全面开放的过渡期的结束,我国商业银行面临着前所未有的复杂环境和激烈竞争,亟待提升竞争力。因此研究如何提升我国商业银行竞争力对于我国商业银行在激烈的市场竞争中提高竞争能力、保持持续和快速发展有着重要的理论价值和实践意义。然而,这个研究领域在国内还刚刚起步。 在经济高速发展的今天，金融对经济发展起着关键性作用，而商业银行作为金融的主体，其重要性更是显而易见。商业银行竞争力是否强大，直接关系着整个金融行业发达与否，商业银行竞争力的分析在国内外日渐受到关注。本文主要从商业银行核心竞争力方面进行比较分析，进而提出有利于我国商业银行提高自身竞争力的对策。 关键词：商业银行;核心竞争力;对策；互联网金融 Analysis of the competitiveness of commercial banks ABSTRACT With the liberalization, globalization and IT development in Banking area, especially the end of transition period of Chinese Banking opening, our commercial banks have been facing complicated environment and severe competition, and are in urgent need to promote their competitiveness. So how to promote the competitiveness of Chinese commercial banks is crucial for raising the competitiveness and keeping growing up stably and rapidly in both practical and theoretical areas. However, the study in this area in China just began. Nowdays with the high speed of development of economics, financing plays a very crucial part in the economic development. Commecial banks,acting as the main body of financing industry, plays a gradually important role in it. The level of power of competitiveness of commercial banks directly influnces the level of development of the whole financing industry. So the analysis of the competitiveness of commercial banks has drawn many attentions inside and outside the country.This article mainly discussed the core competitiveness of commercial banks so as to come up with some solutions to improve competitveness. Key Words:commercial bank ,core competitiveness; solutions; internet banking 目录 一、引言 二、商业银行核心竞争力分析 1 （一）公司治理竞争力分析 1 （二）业务扩展竞争力分析 1 1．．互联网金融对我国商业银行的长期影响分析 3．互联网金融对我国商业银行的现实影响分析 （三）人力资源管理竞争力分析 3 （四）服务管理竞争力分析……………………………………………………………………4 三、提高我国商业银行竞争力的对策 4 （一）深化银行体制改革.适应国际竞争需要 4 （二）发挥自身优势.弥补劣势.积极开拓业务范围 4