西部地区城市商业银行竞争力评价探析 - 基于因子分析法的视角

Evaluation of the competitiveness of urban commercial banks in the Western Region - based on the perspective of factor analysis

摘要:(摘要内容经过系统自动伪原创处理以避免复制,下载原文正常,内容请直接查看目录。)

改造开放以来,我国金融业一向处于赓续更改的格式中。今朝,我国金融业在赓续变更的运营情况和监管政策之下,已逐步构成包含国有银行、全国性股分制贸易银行、城市贸易银行(以下简称城商行)、乡村贸易银行、乡村信誉社、邮储银行和外资银行之间竞争互补、调和成长的古代银行办事系统。我国城商行是为懂得决本地中小企业融资难成绩而于20世纪90年月在原有城市信誉社基本上成长起来的处所性股分制贸易银行。近20年来,城商行对办事处所经济、处所中小微企业的成长和城市居平易近的生涯施展了无足轻重的感化,现已成为我国金融业中特别而又弗成替换的一部门。跟着我国利率市场化过程的进一步推动,各金融机构间的竞争也变得日趋剧烈。西部地域城市贸易银行(以下简称西部城商行)因为地处经济成长较为落伍的地域,且受汗青、地区、当局等限制,成长水平良莠不齐,乃至面对被边沿化的态势。是以,对我国西部城商行的竞争力状态停止评价探析具有很强的实际意义。本文起首对企业与竞争力、贸易银行与竞争力、城商行与竞争力的相干实际常识和国际外有关贸易银行竞争力研讨的文献停止了梳理;然后对西部城商行的成长汗青、成长近况和今朝成长中存在的重要成绩停止了简略论述。再联合西部城商行的特色,运用企业治理常识与因子剖析法,拔取西部26家城商行动样本银行,东中部共41家城商行动参照,挑选了适合的评价目标,设计了响应的竞争力评价目标系统;进一步地,本文联合SPSS统计软件中的因子剖析进程对西部城商行的竞争力状态停止了评价和探析,依据因子剖析得出的评价成果,联合各目标原始数据,从横向角度分离对26家西部城商行与41家中东部参照银行和26家西部各城商行之间的竞争力状态停止了较为具体的比较剖析;最初,依据后面的剖析,本文以南充商行动例,对其竞争力状态停止了剖析,提出了晋升西部城商行竞争力的一些对策建议与改良办法。详细来讲,全文共分为七个部门,各部门内容归纳综合以下:第一部门导论。本部门重要引见了本文的选题配景、研讨意义、采取的研讨办法和研讨的思绪。第二部门实际基本与文献回想。本部门起首整顿了企业与竞争力、贸易银行与竞争力及城商行与竞争力等相干实际常识;然后对国际外有关贸易银行竞争力研讨的文献停止了整合。第三部门因子剖析法与评价目标系统。本部门起首对本文实证部门将要采取的因子剖析法及其根本道理停止了论述;然后给出了西部城商行竞争力评价目标系统的设计准绳;最初依据西部城商行的特色,拔取了合适西部城商行竞争力评价剖析的目标,为下一部门实证剖析打好基本。第四部门西部城商行竞争力实证剖析。本部门起首对本文所选样本银行、比较银行及其数据起源停止了简略引见;然后应用SPSS统计软件,联合因子剖析进程对我国西部城商行2012年的数据处置求解,得出了所选26家西部城商行与41家东中部比较银行的竞争力排名和西部各城商行之间的竞争力排名;进一步地,在此基本之上,联合原始数据,对得出的实证成果停止了横向比较剖析。第五部门案例:南充商行竞争力与启发。本部门为案例剖析,经由过程26家西部城商行竞争力实证剖析得出,南充商行的综合竞争力排名为第15位。本章拔取之前练习过的南充商行动案例,对其运营治理停止了剖析,给其他25家西部城商行竞争力的晋升供给参考。第六部门晋升西部城商行竞争力的建议。在上一部门的基本上,联合西部城商行今朝成长中存在的重要成绩,本部门提出了晋升西部城商行竞争力的对策建议与改良办法。第七部门停止语。整体来看,我国西部城商行的本钱状态较好、活动性较高、不良存款率也较低,成长势头和成长潜力较年夜,范围较年夜的成都银行和包商银行的存款总额曾经跨越了2000亿元,多家银行也曾经开设了异地分行或异地分支机构。但绝年夜多半西部城商行多若干少都存在金融立异不敷、公司管理不公道及防备风险才能较差等成绩。是以,对我国西部城商行的竞争力状态停止评价剖析,关于其往后的成长和全部城商行的调和可连续成长具有必定的参考价值。经由过程对文献的搜刮与整顿,笔者发明学术界关于城商行竞争力研讨的文献正逐步增多,但重要着重于将范围较年夜的一些城商行与国有银行和全国性股分制银行停止比较,或许重要对东部蓬勃地域各城商行之间停止比拟剖析,专门针对经济成长较为落伍的西部城商行停止剖析的却很少。是以,本文的新意是经由过程研讨比拟西部26家城商行的竞争力,填补对西部城商行竞争力研讨的缺乏。本文第二点新意是应用因子剖析法得出西部各城商行竞争力综合排名情形,并依据实证成果,联合各目标原始数据,对得出的竞争力排名面前的缘由停止剖析。因为笔者时光和程度无限,本文也存在以下缺乏的地方有待进一步商量:一是目标系统设置有待完美,如金融产物立异和信誉卡发卡量等表现金融立异的“软实力”目标,一些银行年报中没有加以表露,没法公道地设置和对其停止客不雅评价。二是应重视纵向比拟。本文彩用的是城商行2012年的数据,因篇幅和时光限制,没有对西部各城商行的竞争力状态停止纵向比较剖析。三是以后学术界对公司管理目标的选择存在争议,今后的任务进修中有待进一步研讨。是以,笔者希冀往后的进修任务中,可以或许进一步研讨这一课题,采取其他的研讨办法(如条理剖析法),从分歧时代、统一时代分歧角度的分歧方面临西部城商行甚至全部城商行的竞争力状态停止更加周全的剖析与评价。

Abstract:

Since the reform and opening up, China's financial industry has been in a continuously changed format. Today, China's financial industry under the continuously change operations and regulatory policies, has gradually formed contains complementary competition between state-owned banks, national joint-stock of commercial banks, urban commercial banks (hereinafter referred to as the city commercial banks), rural commercial banks, rural credit cooperatives, postal savings banks and foreign banks, to reconcile the growth of ancient bank service system. City Commercial Banks in China is to understand the local small and medium-sized enterprise financing difficult result and in the 20th century, 90 years in the original urban credit cooperatives basically grew up in the local joint-stock commercial banks. Nearly 20 years, the city commercial banks of the office of economics, location of small and micro enterprises growth and urban population civilian career cast a pivotal role, has become China's financial industry in particular, and Eph into replacement part. With the further promote the process of marketization of interest rate in China, the competition among financial institutions has become increasingly fierce. In the western region of the City Commercial Bank (hereinafter referred to as the western city commercial banks) because of regional economic growth is behind the times and history, region, authorities and other constraints, uneven growth, even in the face of the marginalized situation. Therefore, it has strong practical significance to our country western city commercial bank competitiveness evaluation of the state to stop. The chapeau of enterprises and competitiveness, commercial banks and competitiveness, city commercial banks and competitiveness coherent practical knowledge and the domestic and foreign related commercial bank competitiveness research literature carding; then the western city firm of historical development, growth existing in the current development situation and the main achievements stop is briefly introduced. Then combined with the western city firm characteristics, using enterprise management knowledge and factor analysis method, select the 26 western city taking action sample bank, East Central 41 city taking action reference, the selection of a suitable evaluation target, design the competitiveness evaluation target system response; further, this factor combined with SPSS statistical software in the the analysis process of western city commercial competitiveness status were evaluated and analysis, according to the evaluation results of factor analysis, combined with the raw data, from the horizontal angle separation of 26 western and Eastern 41 city commercial banks and 26 in reference to the western city commercial competitiveness state stopped detailed comparative analysis first, according to the analysis; behind, the Nanchong firm real example, analyzes on the competitive state, put forward some countermeasures and suggestions on the promotion of firm competitiveness in the western city Improvement measures. In detail, this paper is divided into seven departments, each department summarized below: the first part is introduction. The Department mainly introduces this topic background, research significance, the research methods and research ideas. Second Department of basic and actual literature recall. The Department first rectify the enterprise and competitiveness, commercial banks and city commercial banks competitiveness and competitiveness and other relevant theoretical knowledge of international trade; then the bank competitiveness research literature stop integration. The third sector analysis factor and evaluation target system. The chapeau to the empirical sector will have to take the factor analysis method and its basic principle has carried on the elaboration; then gives the western city firm competitiveness evaluation target system design principles; originally according to the characteristics of the western city firm, select the appropriate analysis of the western city firm competitiveness evaluation target and for the next part of empirical analysis to lay the basic. Analysis of the fourth sector in the West City Commercial competitiveness. The chapeau in the Department of the selected sample of banks, comparative bank and data origin stopped briefly introduced; then using SPSS statistical software, joint factor analysis process of West China city commercial banks in 2012 data disposal solution, it is concluded that the selected 26 western city firm and 41 East Central compare a bank's competitiveness rankings and western cities between firms competitiveness ranking; further. On this basis, combined with the original data, the empirical results are stopped horizontal comparison analysis. The fifth sector case: Nanchong firm competitiveness and inspiration. The Department for the case analysis, through the process of the 26 western city commercial competitiveness analysis, the comprehensive competitiveness of Nanchong commercial bank's ranking of fifteenth. Before this chapter select practiced in Nanchong taking action case, has carried on the analysis to the operation management, to the other 25 western city commercial competitiveness promotion of reference. The sixth sector promotion firm competitiveness in the western city of suggestions. In a department basically, important problems with the western city firm growth in this sector at present, and puts forward some countermeasures and suggestions and improvement measures of promotion firm competitiveness in the western city. Seventh department of language. Overall, West China city commercial banks capital state better, higher, non-performing loans rate is low, growth momentum and growth potential is bigger, range is the eve of Bank of Chengdu and the contractor bank deposits amounted to once across the 200 billion yuan, banks have opened branches in different places and different branches. But the vast majority of the western city firm many less there are financial innovation is not enough, the company management is not reasonable and to prevent the risk to poor performance. Is to stop, evaluation on China's western city commercial competitiveness status analysis, harmonic growth and sustainable development of all city commercial banks has a certain reference value for the future. Through the literature search and rectification, the author invented academic literature on competitiveness of city commercial research is gradually increased, but highlights the important to the larger scale of some city commercial banks and state-owned banks and national joint-stock banks stop comparison. Maybe the most important of East Peng Bo District of the city firm carries on the comparative analysis, specifically for economic growth is behind the western city firm analysis is few. The innovation of this thesis is through the process of western study comparing 26 city commercial competitiveness, to fill the lack of western city firm competitiveness research. The second bit of new idea is application of factor analysis method in the west of the city commercial banks competitiveness comprehensive rankings, and according to the empirical results, combined with the original data, to obtain competitive ranking reason analysis. Because of unlimited time and degree of the author in this article, there are lack of following parts need to be further discussed: one is target system set to be perfect, such as the "soft power" goals of financial product innovation and credit card issuing volume performance of financial innovation, some bank annual report without to expose, no reasonable setting and carries on the objective evaluation. Two is to lay stress on the longitudinal comparison. This color is used in city commercial banks in 2012, because of space and time limit, not to the city firm competitiveness state stop longitudinal comparison analysis. The three is after the controversy on the management of the company target selection tasks in the academic circles, the study needs further research. Is to. The author hopes the future study task, may further discussion of this topic, take other research methods, such as analytic hierarchy process, from a different era, the era of unity from different angles differences with respect to the Linxi Department of city commercial banks even all the competitiveness state of the city commercial banks stop a more comprehensive analysis and evaluation.

目录:

摘要4-7
Abstract7-9
目录10-12
1 导论12-17
    1.1 选题背景与研究意义12-15
        1.1.1 选题背景12-13
        1.1.2 研究意义13-15
    1.2 研究方法与研究思路15-17
        1.2.1 研究方法15
        1.2.2 研究思路15-17
2 理论基础与国内外相关研究现状17-26
    2.1 理论基础17-20
        2.1.1 企业与竞争力17-19
        2.1.2 商业银行与竞争力19
        2.1.3 城市商业银行与竞争力19-20
    2.2 国内外研究现状20-26
        2.2.1 IMD和WEF的相关测评21
        2.2.2 CAMELS评级制度21
        2.2.3 国际信用评级机构的信用等级评定21-22
        2.2.4 专业报刊杂志的排名22
        2.2.5 国内学者对银行的评价22-24
        2.2.6 对于城市商业银行的研究现状24-26
3 因子分析法与评价指标体系26-32
    3.1 因子分析法概述26-27
    3.2 评价指标体系的设计27-32
        3.2.1 评价指标体系的设计原则27-28
        3.2.2 评价指标选取28-32
4 西部地区城市商业银行竞争力实证分析32-51
    4.1 样本选择及数据来源32-33
        4.1.1 样本选择32-33
        4.1.2 数据来源33
    4.2 因子分析过程33-42
    4.3 实证结果分析42-51
5 案例分析:南充市商业银行竞争力与启示51-57
    5.1 南充商行概况51-53
    5.2 南充商行竞争力实证结果53-56
        5.2.1 财务指标分析53-54
        5.2.2 因子分析结果54-56
    5.3 启示56-57
6 提升西部地区城市商业银行竞争力的建议57-63
    6.1 进行合理定位,坚持特色化发展57-58
    6.2 加强金融创新,走创新发展之路58-60
    6.3 完善公司治理结构60-61
    6.4 加强人力资源管理,实行人才兴行战略61-62
    6.5 提高风险管理能力62-63
总结与展望63-65
参考文献65-69
致谢69-70