金融创新与我国国有商业银行竞争力研究-金融学专业论文.docxVIP

金融创新与我国国有商业银行竞争力研究摘要 金融创新与我国国有商业银行竞争力研究 摘要 竞争和竞争力理论引入我国后，关于国有商业银行竞争力的研究层出不穷。本文 借鉴产业竞争力研究成果，将其与银行业的具体实践相结合，选用资本充足率、资产 收益率、资本收益率、不良资产率、业务收入结构以及组织结构等指标从现实竞争力、 潜在竞争力等方面对国有商业银行的竞争力做出评价，并与国外银行进行了比较分 析。 比较分析的结果表明，国有商业银行的资本充足率、资产收益率、资本收益率以 及不良资产率等现实竞争力指标与国外商业银行相去甚远，说明国有商业银行的现实 竞争力水平与国外银行相比仍然有较大差距。但通过对收入结构及组织结构等潜在竞 争力指标的分析发现我国国有商业银行的竞争力还有进一步挖掘的潜在，但将是一个 逐步进行的长期过程。 在此基础上，本文分析了我国国有商业银行竞争力低下的原因，体制陈旧、改革 滞后是阻碍其竞争力提升的根本原因，同时，我国商业银行与国外银行相比，竞争力 低下的原因又突出的表现为承担了过多的政策性业务、中间业务不发达、技术比较落 后等几个方面。 国有商业银行的竞争力低下决定了其必须加以提高，才能适应加入WTO后激烈 的国际竞争。因此本文接下来首先分析了国际银行业的发展，提出金融创新可以有效 提升我国国有商业银行的竞争力，并从制度创新、业务创新、技术创新等三个方面提 出了提升国有商业银行竞争力的对策建议。 关键词：国有商业银行； 竞争力： 金融刨新 The The Research of the Financial Innovation and Chinese State-owned Commercial Banks’Competition Abstract After the competition theory being introduced into China,the researches about the state’owned commercial banks’competition emergc in endlessly．This paper chooses the analysis frame of industry competition and banking competition for reference，and chooses capital adequacy、return rate of asset、retnrn rate of capital、rate of bad property、 proportion between intermediary activity income and gross income and organize framework，comparing and analyzing the state—owned commercial banks’competitbn and foreign advanced banks+competition．The analysis shows that Chinese state·owned banks’ competition is still quite poor． Compared with foreign advanced banks，the reasons for poor competition are various． The old system and the heavy burden are objective reasons．Meanwhile，intermediary business being not prosperous and technique falling behind developed countries are also important reasons． To find the way to improve the state-owed commercial banks’competition，this paper reviews the history and theory result of foreign commercial banks．The research shows that the financial innovation plays an important role oR improving the competition of foreign commercial banks．On this basis，this paper brings forward the following measures to enha：rlce the competition of