提高我国国有商业银行竞争力研究.docVIP

本科毕业设计（论文） 提高我国国有商业银行竞争力研究 学 院 经济与贸易学院 专 业 国际经济与贸易 年级班别 2007级（5）班 学 号 3107004433 学生姓名 指导教师 2011年 4 月 摘要 在经济全球化环境下，各国之间的联系越来越密切，受金融一体化与自由化的冲击也越显强烈。我国对外金融市场也在2006年12月全面开放，面临的是一个全新的竞争时代，中资银行和外资银行展开了一场全方位的竞争。由于我国历史国情与体制政策的原因，现今国有控股商业银行一直是我国金融业的主导因素，无论在资本资产规模，抑或是区域分布数量上，国有控股商业银行都有着绝对的优势，其经营状况的好坏直接与国家金融业的稳定乃至国家经济发展切切相关。鉴于此，身处重要经济战略地位的国有商业银行在，提高其竞争力是保持其在面临如此激烈的竞争环境中立于不败之地的一项迫切任务。 本文的研究思路是：首先界定我国国有商业银行的自身定位与了解其竞争环境的大致概况，仔细分析商业银行竞争力的各种指标内涵，进一步明确了商业银行竞争力的特殊性，并采用层次分析法与SWOT分析法对我国的商业银行竞争力进行针对性的分析，再对照竞争对手的情况，找出其所拥有的优势和不足。最后就是根剧以上数据总结出影响我国国有商业银行竞争力的因素，结合各项给提高国有商业银行竞争力提出有实际效力的对策建议。 关键词：商业银行，竞争力，策略 Abstract Under the environment of economic globalization, the nations of the world are becoming more and more tightly integrated and the impact of financial integration and the impact of the liberalization is strongly felt. China promised to open up its financial market after December of 2006, stepping into a brand-new competitive era. Domestic banks would compete with foreign capital banks in various ways and in various places. At present,, State-owned commercial banks have been the overwhelmingly dominant factor in China’s financial industry sees from capital amount and scale of assets or the number and the sectors. Therefore, The performance of the state-run banks are closely related to the stability of our country’s financial industry, even matter to the development of the economic development. In viewing of this, as the state-owned commercial banks, which have showed its prominent position, it is a vitally urgent task to improve the competitiveness to survive the fierce environment. This thesis is divided into three parts, Firstly, analyzing what our countries’ state-owned commercial banks positioning themselves and the general situation of the competition environment. With detailed analysis on the connotation of statistical indicators of the competitiveness, we