浅析提高我国商业银行核心竞争力阻碍及对策.docxVIP

专业写作指导，软文公文论文，qq:浅析提高我国商业银行核心竞争力的阻碍及对策 浅析提高我国商业银行核心竞争力的阻碍及对策 中文摘要 随着经济的发展，我国金融行业正处于全速发展的阶段，中小型商业银行在经济发展过程中占据重要地位，金融行业竞争激烈，目前我国中小型商业银行竞争力不明显，迫切需要提高中小型商业银行的核心竞争力。本文主要是对如何提高中小型企业核心竞争力展开研究，首先是阐述核心竞争的内涵，剖析我国商业银行核心竞争力的现状，以此为基础，提出提高我国商业银行核心竞争力的策略。以期可以促进我国中小型商业银行发展，提高银行的核心竞争力。 关键字：商业银行； 核心竞争力；银行竞争 Abstract With the development of economy, Chinas financial industry is in full development, small and medium commercial banks in the process of economic development plays an important role in the financial industry, intense competition, at present our country small and medium sized commercial banks competitiveness is not obvious, there is an urgent need to improve small and medium commercial banks core competitiveness. This paper is mainly about how to improve the core competitiveness of small and medium enterprises, first of all is to expound the connotation of core competition, our country commercial banks core competitiveness current situation, on this basis, put forward to improve the core competitiveness of commercial banks in China and the strategies. In order to promote small and medium-sized commercial banks development, enhance the banks core competitiveness. Keywords: commercial banks ；core competitiveness; bank competition 目 录 TOC \o 1-2 \u 一、商业银行核心竞争力的内涵 PAGEREF _Toc373529031 \h 1 （一）核心竞争力的涵义 PAGEREF _Toc373529032 \h 1 （二）商业银行核心竞争力的构成要素 PAGEREF _Toc373529033 \h 1 二、商业银行发展背景分析 PAGEREF _Toc373529034 \h 2 （一）金融体制改革促进中小型商业银行发展 PAGEREF _Toc373529035 \h 2 (二)宏观经济环境的变化潜藏发展机遇 PAGEREF _Toc373529036 \h 3 (三)需求的多样化变化引导银行多元化发展 PAGEREF _Toc373529037 \h 3 (四)多层次银行体系加剧同业竞争 PAGEREF _Toc373529038 \h 3 三、提高商业银行核心竞争力的阻碍 PAGEREF _Toc373529039 \h 4 （一）缺乏经营转型的意识 PAGEREF _Toc373529040 \h 4 （二）盲目多元化，缺乏突出的主业 PAGEREF _Toc373529041 \h 4 （三）中间业务不发达,不良贷款率过高 PAGEREF _Toc373529042 \h 5 （四）金融创新能力不足 PAGEREF _Toc373529043 \h 6 四、商业银行提升核心竞争力的对策 PAGEREF _Toc373529044 \h 6 （一）加快产权制度改革与创新,转变经营观念 PAGEREF _Toc373529045 \h 6 （二）实现业务流程的扁平化管理 PAGEREF _Toc373529046 \h 7 （三