文档介绍：华中科技大学
硕士学位论文
商业银行竞争力评价研究
姓名:张怡
申请学位级别:硕士
专业:企业管理
指导教师:王宗军
20061026
华中科技大学硕士学位论文
摘要
金融是经济的核心。随着经济的发展,经济自由化和金融全球化已经成为不可
阻挡的趋势。2001 年 12 月 11 日,中国加入了世界贸易组织,根据入世承诺,我国
银行业将在 2006 年底全面开放,外资银行将同中资银行一样,全面享受国民待遇,
中国商业银行长期以来受市场保护的竞争环境将不复存在,商业银行将面临与实力
雄厚、极具竞争优势的国外大型商业银行的竞争和挑战。由于历史的原因,我国商
业银行长期以来存在诸多问题,如不良资产比例高、运行效率低、经营机制不完善
等,归根到底是竞争力不足。因此,研究我国商业银行竞争力具有重要的理论和现
实意义。商业银行竞争力是通过比较而产生的相对的概念,前提是要对商业银行竞
争力进行正确的衡量和评价。
本文在吸收前人理论成果的基础上,从企业竞争力的基本理论入手,概括出商
业银行竞争力是在市场经济条件下,商业银行作为竞争主体,在经验发展的过程中,
通过其拥有的各种资源要素与外部环境的交互作用,使其各种资源实现有效整合和
优化配置,从而呈现出比竞争对手更具优势的良性循环,以实现占领市场、获取利
润和可持续发展的能力。详细分析了商业银行竞争力的内涵,概括和总结了制约商
业银行竞争力的关键因素,从资源因素、制度因素、能力因素三个方面,系统地构
建了商业银行竞争力的评价指标体系,最后选取样本银行,对其商业银行竞争力做
出了实证分析。

关键词: 商业银行竞争力评价指标体系实证分析层次分析法
I
华中科技大学硕士学位论文
Abstract
Finance is the core of economy. With the development of economy, economic
liberalization and financial globalization have been ing an inevitable trend. On 11th
December of the year 2001, China joined World anization (WTO).Obey to the
promise, China banking will open entirely in December of 2006, foreign banks will have
fully national treatment as China’s, the environment in which Chinese banking is protected
by market will fade away, and the mercial banks will have to confront the
competition and challenge from the powerful, advantaged large-sized mercial
banks. Because of historical reasons, mercial banks have many problems:
higher non-performing loans ratio, lower running efficiency, faultiness manage
mechanism, and so on. And in the final analysis, the point petitiveness deficiency.
Therefore, Research on mercial bank has important theoretical and practical
meanings. The relative concept petitiveness level mercial bank is derived
parison.
On the base of absorption of precede theory, this paper elaborates the basic concept
of petitiveness and features of it by reviewing the theory of enterprise
competitiveness, analyzes the substance mercial petitiveness, further
confirms th