我国商业银行竞争力比较研究

在我国金融市场对外开放和银行业的竞争日益加剧的背景下,正确认识和提高我国商业银行的市场竞争力变得越来越重要。运用主成分分析法,选取14家上市银行为研究对象,以2006、2007、2008三年的主要财务数据为依据,对国有商业银行和一般商业银行之间存在的差异和各自优势及劣势进行比较,针对影响各自综合竞争力的原因和制约发展的瓶颈,应积极推进利率市场化改革进程,优化产权安排和组织结构,建立和健全严密的内部控制制度和风险管理制度,实施专业化高素质人才战略,加大对金融衍生产品研究的资金投入。

A Comparative Study of Competitiveness of Commercial Banks in China

With the opening of financial market and the ever-increasing competition of banking,it is becoming more and more important to be aware of and raise the market competitiveness of the commercial banks in China.By the Principal Component Analysis,14 listed banks are surveyed,on the basis of the financial data of the year of 2006,2007 and 2008,a comparative study has been made of the differences and advantages and disadvantages among the state-owned and ordinary commercial banks.According to the reasons and the bottleneck of affecting each other＇s comprehensive competitiveness,the process of interest-rate market reform should be promoted,the property arrangement and organizational structure should be optimized,the strict internal monitoring system and risk management system should be established,specialized and high-quality professionals should be built up the financial input for the study of financial derivative products should be expanded.