国有商业银行竞争力分析研究

上海交通大学硕士学位论文国有商业银行竞争力分析研究姓名：张冲申请学位级别：硕士专业：金融学指导教师：朱启贵20040112WTOSWOTANALYSISANDSTUDYONCOMPETITIVECOMPETENCEOFSTATE-OWNEDCOMMERCIALBANKSABSTRACTWiththeprocessofeconomicglobalizationandfinancialglobalizationacceleratesfurthertheeconomiccompetitionespeciallythefinancialcompetitionisfiercedaybyday.Ifacountrywanttogetcompetitiveadvantageinthecompetitionofthewholeworld,itmusthavepowerfulfinancialcompetitiveadvantageasthebacking.So,thepromotionofthemodernfinancialprinciplepart-thecompetitivecompetenceofcommercialbankbecomingthefocalpointofthegovernment,financialinstitutionsexpertsandscholarsofallthecountriesoftheworld.WiththefourState-ownedcommercialbanks’reformanddevelopmentofmorethantwentyyearsof,theiroverallcompetitivecompetenceincreasegreatly,andmakethemostofimportantroleduringthedevelopmentofnationaleconomy.But,ifcomparingwiththejoint-stockcommercialbanksandmodernpowerfulcommercialbanksofdevelopedcountries,Chinesestate-ownedcommercialbanksexistgreatgapwhetherthesystemorefficiencyandsoon,especiallyourcountryhavejoinedWTO,withtheopeningoffinancialmarketfurther,powerfulforeignbankswillcarryoutonalargescale,State-ownedcommercialbankswillfacegreaterchallenge.Facingmorefiercemarketcompetitivesituation,forstate-ownedcommercialbanks,howtocatchopportunity,facechallengeandgetmorecompetitiveadvantage,notonlyhavetodowiththeirowndevelopment,butalsoaffectthecourseofreformandopeningandtheperfectionanddevelopmentofmarketeconomy.So,itisthecertainchoiceofstate-ownedcommercialbankstopromotetheircompetitivecompetencewholly.Accordingtothetheoryofenterprise'scompetitivecompetence,theconceptofbank'scompetitivecompetencehastworespects.Firstly,itcanbeconsideredaspotentialcompetitivecompetencewhicharethefactorseffectingcompetitivecompetence;secondlyasvisiblecompetitivecompetencewhichisthemarketshowofcompetitivecompetence.Thepeculiarityofbankingindustrydeterminesthatbank'svisiblecompetitivecompetenceincludemanagingefficiency,profitability,liquidity,securityandmarketpower,andinfluencedbymanagementofthebank,resourcesofthebankandenvironmentaroundthebank.So,firstly,thispaperanalyzesthecompetitivestructureofourcountry'sbankindustry,andputsforwardtheobjectandtargetoftheanalysisandstudyoncompetitivecompetenceofstate-ownedcommercialbanks,thatistoanalyzethepotentialcompetitivecompetence,competitiveenvironmentandvisiblecompetitivecompetence.Thenbytheanalysisandcomparisonwithjoint-stockcommercialbankandforeignbanks,evaluatecurrentcompetitivecompetenceofChinesestate-ownedcommercialbanksfromqualitativeandquantitativeaspects.Therefore,bytheanalysisofSWOTandgettheconclusion:theadvantagesanddisadvantages,challengeandopportunitycoexistwiththestate-ownedcommercialbanks.Theadvantageslieinnative,creditandpopularnetworkpoints,andthedisadvantagesareintegratedlegalentitymanagementstructure,rigidoperationsystem,anddeficientproductinnovation.So,intheeconomicandfinancialglobalizationtide,Chinesestate-ownedcommercialbanksshouldtrytheirbesttoopenupbank'sprofessionalwork,creativeenergetically;buildmoderncommercialbanksystemandmovinginstitution;andfinancialsupervisorshouldcreativegoodexternalcompetitiveenvironment.Onlythis,itcanpromotetheoverallcompetitivecompetenceandstandsuccessfullyininternationalcompetition.KEYWORDState-ownedcommercialbanks,competitivecompetence,analysis,study120051122200511220051121202005200823019791983198671010001995220031002080209031996200471510050WTO200641997200111////4121997199819992000200159373.879284.989270.5123621.313000051221603796932593340.910770044824536115745666901.37400093.9177.05116.38153.4723019982002131997199819992000200161.9963.7764.3265.6070.5662.1763.0963.7369.4770.8959.8361.9661.3064.0965.9047.7117.9551.0431.8751.31199820021.121319972001200170.56199852.1997200162.1763.0963.7369.4770.8919983.19972001200165.90199759.83562.624.1997199847.7117.951.8062.151515101810860160500073.10081.2021WTO1WTO13920062310419972.121131.1212.321212.1312222214232332424151.116232.11721831941015202031311.2.3.4.19931.2.3.211.2.3.4.5.6.7.8.9.1122CDNOWATSMMCMMDA199128.8758.65200374.25219984255.460200393.685.26320802343520901750200651993505706035034554010001999112.2060243060708090323220606070258033208090331979.101980198219851985198519881988198819881989199219922619931995.61995.123.1200627240144020FDIC19982200261.,,28,,,,,12030,,,,2070,10,,2090,,,(2),,,,1997,,(FinancialServicesAuthority),199911,,73,39,53.4(3),,29,,,,(4),,,,,,,,,;,,,(5),,,;,,,,,,,,,,302.1233142006321.2020GDP19783588.1200311669432.59.6333434GDPGDP19782003GDPGDP19783588.113.019793998.17.619804517.87.819814775.14.53319825182.38.21983578710.419846928.214.619858964.416.2198610202.28.9198711962.511.6198814928.311.3198916909.24.1199018547.93.8199121617.89.2199226638.114.2199334634.413.5199446622.312.7199558260.510.51996678009.5199774462.68.8199879552.87.81999820547.12000894048.0200197314.88.82002104790.68.020031166949.3199720032.120033435351978200219781300.5210.61895.1197915552812087.119801933.5399.52495.919812355.2523.8286119822759.8675.43301.819833276892.53753.619844208.81214.75120.619854989.816