我国上市银行竞争力解析.docVIP

我国上市银行竞争力分析 摘 要 2006年12月11日中国按照加入WTO承诺向外资银行全面开放，取消对外资银行经营人民币业务的区域和客户限制，取消外资银行在华经营的所有非审慎性限制。随着中国入世过渡期的结束，全面开放的金融格局已经形成，国际化竞争持续升级。随着中国银行、工商银行先后实现A+H股成功上市，国内主要商业银行也陆续完成改制和转型，竞争能力显著增强。兴业银行、招商银行、中信银行、交通银行等先后上市。我国银行业竞争格局也发生了深刻变化。 本文以上海、深圳A股中14家上市商业银行为研究对象，对每家上市银行盈利能力、安全性、流动性、资本充足度和创新能力进行分析比对。通过因子分析对数据进行研究，进而得出我国上市银行竞争力。结果显示我国上市银行盈利能力显著增强，资本充足度和流动性双双下降，但创新能力有待增强，盈利结构有待进一步改善提高。 关键词：上市银行；竞争力；因子分析 The competitiveness analysis of Chinas listed banks Abstract December 11, 2006 China joined the WTO in accordance with commitments to full liberalization of foreign banks, removal of foreign banks to conduct RMB business in the region and customer restrictions on foreign banks operating in China abolished all non-prudential limit. With the end of Chinas WTO transition period, the full liberalization of the financial structure has been formed, international competition continues to escalate. With the Bank of China, Industrial and Commercial Bank of China has successfully achieved A + H shares listed on major domestic commercial banks will also be completed restructuring and transformation, significantly enhanced competitiveness. Industrial Bank, China Merchants Bank, CITIC Bank, Bank of Communications, etc. have listed. Competition pattern in Chinas banking industry, has profound changes. In this paper, Shanghai and Shenzhen A shares of 14 listed commercial banks in this study, each listed bank profitability, safety, liquidity, capital adequacy and ability to analyze than the right. Through factor analysis of the data, and then come to the competitiveness of Chinas listed banks. The results show that the profitability of listed banks in China increased significantly, capital adequacy and liquidity both decreased, but the innovation to be increased, profit structure remains to be further improved. Key words: Listed banks , Competitiveness , Factor analysis 目录 1、绪论…………………………………………………………………………1 1．1研究背景及意义…………………………………………………………………1 1．2国内外银行竞争力研究概况……………………………………………………3 1.3本文研究内容、方法及框架