我国城市商业银行竞争力实证研究

随着金融体制改革的不断深入,我国商业银行面临很多的机遇,同时遇到新的挑战。本文运用因子分析法,对我国16家城市商业银行的竞争力状况作了综合评价和排名,并且分别比较16家城市商业银行各自的竞争优势。结果显示,城市银行的竞争力主要依靠整体水平的提高来实现,而且规模水平在竞争力中占极大的比重,风险管理能力次之。因此,规模水平和风险管理能力是制约商业银行竞争力提高的主要瓶颈。

An Empirical Study of the Competitiveness of China's City Commercial Banks

With the deepening of the reform of the financial system,commercial banks in China face a lot of opportunities,and put forward a new challenge.In this paper,we based on factor analysis,we made a comprehensive evaluation of competitive position and rank in 16 city commercial banks,and were compared each of the 16 city commercial banks a competitive advantage.The results show that the competitiveness of city commercial banks rely mainly on the scale,while the profitability and asset quality management is to improve the competitiveness of commercial banks to restrict the main bottleneck.