基于因子分析法的我国商业银行竞争力评价研究E.docVIP

基于因子分析法的我国商业银行竞争力评价研究 Evaluation Research for Competitiveness of Commercial Banks in Our Country Based on Factor Analysis Method 摘要：在我国经济全面开放的今天，我国商业银行要面对外资银行的冲击，必然要不断增强从盈利能力，资产质量，流动性到公司治理，管理水平，创新能力等方面的竞争力。本文将利用因子分析方法对国内主要商业银行的各类竞争力指标进行实证分析，深入探究银行提升竞争力的措施与方法。 Abstract: with the economy in our country fully opening nowadays, in order to face the impact of foreign capital banks, the commercial banks of our country is bound to constantly enhance the competitiveness at aspects from profit ability, asset quality and liquidity to corporate governance, management level and innovation capacity etc. This thesis will use factor analysis method to analyze variety of competitiveness indexes of domestic main commercial banks and in depth explore measures and methods for the banks promoting the competitiveness. 关键字：商业银行， 竞争力，因子分析，对比分析 Key Words: Commercial Bank, Competitiveness, Factor Analysis, Comparative Analysis 1.导论 Introduction 1.1 研究意义 Research Meaning 金融是现代经济的核心。当前我国正处与完善社会主义市场经济的全面攻坚期，在加入世贸组织之后，我国金融业对内外开放的步伐将逐步加快，不仅国内银行之间的竞争将加剧，而且国内银行还将面临外资银行更加激烈的竞争。金融市场的对外开放和金融国际化是适应经济全球化和生产国际化的一种世界趋势。如何在国际化市场条件下，保护我国的金融业，提高银行的竞争力是我国的上市商业银行所面对的一个紧迫问题。因此提高银行的综合竞争力，既是商业银行的核心任务，也是其可持续发展的前提条件。 Finance is the core of the modern economy. At present our country is in the comprehensive period for perfecting the market economy. After China joint in WTO, the step of finance industry in our country opening to inside and outside world will gradually quicken, not only the competition among the banks in our country will intensify, but also the competition between domestic banks and the foreign banks. Opening to the outside world of the finance market and financial internationalization are kinds of world trend for adapting to the economic globalization and production internationalization. How we can protect the financial industry of our country and improve the competitiveness of the banks under the international market condition is one pressing issue faced by our domestic listed commercial banks. Th