城区国有商业银行同行业核心竞争力研究.docVIP

PAGE III 城区国有商业银行同行业核心竞争力研究 内容摘要 随着市场经济的不断发展，商业银行的生存与发展迎来了诸多挑战。商业银行要想适应市场经济的发展需求，就要选择适合的发展路径，培养和积累商业银行的核心竞争能力。近几年，金融行业发展经历了艰难起步，粗狂发展到如今在监管部门的监督和管理上稳中求进。政府的十四五规划中提出构建金融有效支持实体经济的体制机制，深化国有商业银行改革。成为了金融行业发展的风向标。在良好的外部环境和政策扶持下，股份制银行迅速发展，进入银行市场业市场，与传统的国有商业银行分庭抗礼。国有商业银行势必会受到外部竞争环境的冲击，因此如何在激烈的竞争中获取长期的发展成为诸多学者的研究课题。从宏观角度看，早在2002年中央在第二次全国企业金融会议上提出“国有独资商业银行是金融改革的重点”，从2003年10月开始，各家国有独资商业银行开始了股份制改造。2010年5大国有商业银行之一的农业银行最后完成股份制改革并且成功上市，至此，国有商业银行股份制改革圆满“落幕”。因此近几年国内外学者主要研究了宏观整体的国有商业银行核心竞争力，对区域性国有商业银行的研究微乎其微。因此，有必要对区域性国有商业银行进行研究。区域内国有商业银行要想获取长足发展，外部环境上与当地的经济命脉息息相关。对于内部环境而言，区域内的国有商业银行要找准自身在市场的定位，有的放矢提升核心竞争力。 本文以A市5家商业银行为研究对象，就核心竞争力进行了深入的探讨。首先，通过查阅文献，选取合适的指标建立核心竞争力评价体系，然后，根据建立的评价体系，运用因子分析法对所研究的5家国有商业银行的核心竞争力进行排名，最后，基于实证结果就A市国有商业银行如何提升核心竞争力提出了意见和建议。 关键词：国有商业银行；核心竞争力；因子分析法 Abstrat With the continuous development of the market economy, the survival and development of commercial banks are facing many challenges. If a commercial bank wants to adapt to the development needs of the market economy, it must choose a suitable development path and cultivate and accumulate its core competitiveness. In recent years, the development of the financial industry has experienced a difficult start, and it has grown wildly to the present day with steady progress in the supervision and management of the regulatory authorities. In the government's 14th Five-Year Plan, it is proposed to build a financial system to effectively support the real economy and deepen the reform of state-owned commercial banks. It has become a weather vane for the development of the financial industry. With a good external environment and policy support, joint-stock banks developed rapidly, entered the banking market, and competed with traditional state-owned commercial banks. State-owned commercial banks are bound to be impacted by the external competitive environment, so how to obtain long-term development in the fierce competition has become a research topic for many scholars. From a macro perspective, as early as