银行竞争力分析报告.docxVIP

银行竞争力分析报告 　　中国上市银行竞争力分析　　摘要　　竞争力是上市银行发展的核心问题,也是我国商业银行在银行业全面开放背景下面临的主要挑战之一。本文以我国全国性上市银行为例，采用XX年各行年报数据，以盈利性、流动性、安全性和潜在竞争力为指标，根据其对竞争力的贡献程度赋以一定的权重，综合分析竞争力状况，得出排名。潜在竞争力主要包括金融创新能力和人力资源。本文通过中间业务占比及信用卡市场占有率进行定量分析，同时结合各银行特色业务综合分析其金融创新能力。人力资源则是先通过员工学历结构定量分析人力资源状况，再结合各行的培训机制、激励机制综合分析。最后比较分析中外商业银行的竞争力，找出我国商业银行竞争力差距，从提高资本充足率、资产质量和进行金融创新等方面提出提升我国上市银行竞争力的策略。　　关键词：上市银行;竞争力;分析　　Analysisonthecompetitivenessofcommercialbankslisted　　Abstract　　ThecompetitivenessisthecorequestionofStock-listedCommercialbankdevelopment,isalsoourcountryCommercialbankonemainchallengesunderthebankingindustryopeningbackground.TakeourcountrynationwideCommercialbankastheexample,usingXXdataofannualreport,taketheprofitability、liquidity、securityandpotentialcompetitionabilityastheindicators,accordingtotheircontributiontothecompetitivenessofacertainextentgiventheweight,Comprehensiveanalysiscompetitive.Thepotentialcompetitivenessincludingfinancialinnovationandhumanresources.Bythemiddleserviceandcreditcardbusinessaccountedforquantitativeanalysisofmarketshare,combinedwithcharacteristicsofthebankingbusinesscomprehensiveanalysisofitsfinancialabilitytoinnovate.Humanresourcesisthestructureofacademicstaffthroughthefirstquantitativeanalysisofthesituationofhumanresources,combinedwiththelineoftrainingmechanism,incentivemechanismcomprehensiveanalysis.FinallycomparativeanalysisChineseandforeigncommercialbankscompetitiveness,Chinesecommercialbankscanrealizethecompetitivenessofthegap,fromraisingthecapitaladequacyratio,assetqualityandfinancialinnovationtoproposeenhancedourcountryCommercialbankcompetitivepowerthestrategy.　　Keywords:Stock-listedcommercialbank;competitiveness;analysis　　目录　　毕业论文原创性声明和毕业论文版权授权书....................错误！未定义书签。摘要........................................................................................................................IAbstract..................................................................................................................II插图索引.........................................