城市商业银行竞争力及其影响因素的实证研究金融学专业论文.docxVIP

山东大学硕士学位论文第四部分：城市商业银行的发展历程及现状。简要描述了城市商业银行的组 山东大学硕士学位论文 第四部分：城市商业银行的发展历程及现状。简要描述了城市商业银行的组 建、变迁及当前的改革现状。 第五部分：城市商业银行竞争力的实证分析。以第三部分商业银行竞争力的 理论分析为框架，从现实竞争力、潜在竞争力和环境竞争力三方面对28家样本 城市商业银行的竞争力进行分析，并采用加权平均法，参照一定的标准和权重计 算得出样本城市商业银行的现实竞争力分值，以此作为被解释变量，以潜在竞争 力和环境竞争力的各要素指标作为解释变量，利用样本城市商业银行2005年截 面数据进行计量回归，得出影响城市商业银行竞争力的关键因素及各因素的影响 途径和程度。 第六部分：提升城市商业银行竞争力的政策建议。 关键词：城市商业银行；现实竞争力；潜在竞争力；环境竞争力 王蟓 II 山东大学硕士学位论文ABSTRACT 山东大学硕士学位论文 ABSTRACT Banks are the lifeblood of the economy and act as锄important channel for financial intermediation．Compared with other countries，banks play a more important role in China where indirect financing is the main form of financing structure．City commercial banks are a special part in China’S financial system．With the progress of the financial reform and the opening up of the banking sector,the competition between banks is becoming more and more intense．Compared with the state·owned commercial banks，joint—stock commercial banks and foreign banks，the city commercial banks are confronted with more challenges and survival pressure． Therefore，how to speed up the reform of city commercial banks and how to improve their competitiveness become an important problem in theory and practice．Financial environment is a focus in national research field in recent years．In Our country,there are non-equilibrium states between regions as well as great differences in external environment,which exerts important influence on the quality of regional financial assets．The city commercial banks provide tlS a rather good example to analyze this problem．In light of the above points，this paper uses empirical methods and regression model to find out the key factors that influence the competitiveness of city commercial banks from the perspective of both the inner influencing factors and the external financial environment，hoping to provide certain references to enhance the performance and competitiveness of city commercial banks．The whole paper consists of six parts． Part I：Introduction．Thi