文档介绍：山西财经大学
硕士学位论文
我国中小商业银行发展中的竞争力问题研究
姓名:赵清
申请学位级别:硕士
专业:金融学
指导教师:李锁云
2006-09-16
我国中小商业银行发展中的竞争力问题研究
摘要
我国中小商业银行自诞生以来取得了可喜的成就,这在我国银行业中具有
非常重要的意义。但是目前中小商业银行面临着两难的困境论资产规模、论网
点机构不及四大、论经济效益又只能望外资银行兴
叹。中小商业银行虽有一身独特的优势,但它们的竞争劣势也实实在在地摆在
了眼前。随着我国民营经济的发展和金融体系的完善,中小商业银行的地位和
作用日渐提高,发展中小商业银行对我国金融业和宏观经济都有着重要的现实
意义。如何提升中小商业银行的竞争力已成为国内学术界和银行界关注的焦点。
本文希望通过对中小商业银行的范围的界定,通过对中小商业银行竞争力
的形成机理、构成模式以及评价指标体系的分析深化中小商业银行竞争力研究;
通过分析中小商业银行竞争力形成因素、如何评价、现实状况、如何提升等问
题,为正确认识中小商业银行的竞争力及其提升提供一个实用分析框架,为提
升中小商业银行的竞争力提供操作建议。中小商业银行竞争力的评价应当以衡
量核心竞争力为要义,并根据由科学完整的指标体系所组成的评价模型来分析
计算。中小商业银行竞争力的提高应主要从四个方面即营销战略、文化战略、
创新战略、科技战略来考虑,进行努力改进和完善。这将有助于我国中小商业
银行在激烈的市场竞争中走上健康发展的道路。

【关键词】中小商业银行竞争力提升对策
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山西财经大学硕士毕业论文
ABSTRACT
The small and medium-mercial banks in our country have
gotten great progress since they came into being, which are significant to
our banking-industry. But they got into dilemma currently that are they
are inferior to the big four stated-own banks in service and benefit.
Although they possess some advantages, their disadvantages are also
apparently. How to improve petition of the small and medium-sized
commercial banks has already abstracted the eye-balls of domestic
academic and banking circles. Along with the development of the private
economy and financial system, the status and role of small and
medium-mercial banks increased, and the development of small
and medium mercial banks in the China's financial sector and
macroeconomic have important practical significance. How to enhance
petitiveness of small and medium-mercial banks and the
banking sector has e the focus of attention of the academic
community.
The paper study petition of the small and mercial
banks deeply by defining their scale, petitiveness forming
mechanism, constitutional model and appraisal index system, provide a
pragmatic framework to how to recognize small and mercial
banks’ competitiveness by analyzing the factors of f