中小商业银行核心竞争力实证研究—以9家上市中小商业银行为例.docx

经典专科、本科、硕博、研究生、期刊毕业论文 仅供参考 精心整理 仅供参考 勿用作商业用途 摘 要 中国经济发展“新常态”项下，与其他行业联系密切的银行业，也不可避免地步入了调整与转化时期。原有存贷款利差的盈利方式已成为过去，业务模式创新已成必然。与此同时，伴随着利率市场化及金融脱媒等的不断深化，传统金融资金出现了明显的分流情况，聚焦于金融市场内的战火愈演愈烈。在新的市场条件下，进一步辨别与深挖商业银行核心竞争力已成为一个必议的话题。多重叠加之下，发展稍显弱势的中小商业银行在市场中的表现颇令人关注。在整理国内外学者相关理论的基础上，通过收集9家上市中小商业银行的有关数据对问题进行了实证研究。在过程当中，构建了关于核心竞争力的5个一级指标和16个二级指标，运用熵权法确定各个指标权重,并以此判断和分析了中小商业银行的市场表现和发展前景。总的来讲，中小商业银行的发展还有很长的路要走。 关键词：中小商业银行；竞争力；评价指标；利率市场化；熵权法 精心整理 仅供参考 勿用作商业用途 ABSTRACT Under the new normal of Chinas economic development, the banking industry close to other industries, is inevitably getting into the adjustment and transformation period. The original profitability of deposit and loan spreads has become the past, business model innovation has become inevitable. At the same time, along with the marketization of interest rates and the deepening of financial disintermediation, the traditional financial funds have obvious been diverged and the war focusing on the financial market intensified. Under the new market conditions, to further identify and deepen the core competitiveness of commercial banks has become a must-see topic. Overweight, the development of slightly less vulnerable small and medium-sized commercial banks in the market performance is quite concern. On the basis of summarizing the relevant theories of scholars at home and abroad, this paper makes an empirical study by collecting the data of 9 listed small and medium commercial banks. In the process, five sub-indexes and 16 second-level indexes on core competence are constructed, and the weight of each index is determined by entropy method, and the market performance and development prospect of small and medium-sized commercial banks are judged and analyzed. In general, the development of small and medium commercial banks still have a long way to go. Keywords: small and medium-sized commercial banks; ompetitiveness; evaluation index; interest rate marketization；entropy method 精心整理 仅供参考 勿用作商业用途 目 录 TOC \o 1-3 \h \u 1.