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（2013届）本科生毕业论文四大国有商业银行竞争力分析系部：工商管理系专业：财务管理学生姓名：聂诗芸班级：5班学号2009082116指导教师姓名：刘希玉职称讲师最终评定成绩2013年5月长沙学院毕业论文I摘要合理分析商业银行的竞争力，是我国当前经济理论界十分关注的重大理论课题。随着市场经济的发展和改革开放的深化，银行业面临的金融形势日益复杂。在中国加入WTO以后，我国金融市场各商业银行之间的竞争日益激烈。提高国有商业银行竞争力是我国各监管机构对金融经济监督管制的重要法定目标，也是我国商业银行改革发展的首要目标。本文首先介绍了商业银行竞争力的概念以及各国评价商业银行竞争力的现状，然后借助我国上市商业银行的公开数据，选取定量指标分析四大国有商业银行的竞争力，并对影响我国商业银行竞争力的主要因素进行研究。通过竞争力分析的结果指出我国商业银行间竞争力的差异；分析造成各大商业银行竞争力差异的各因素，见微知著地提出提高国有商业银行竞争力的有效方法：改革国内商业银行的治理结构及业务结构，对其长期的成长战略进行改革和选择，调整国内商业银行的盈利模式，增加利润增长点等。关键词：国有商业银行，竞争力，指标分析长沙学院毕业论文IIABSTRACTCurrentlyinChina,rationalanalysisofthecompetivenessofcommercialbankshasbeenafiercely-discussedissue.Withthedevelopmentofthemarketeconomyandthereinforcementof“reformandopeningup”,bankindustrynowadaysisconfrontedwithafinancialsituationofincreasingcomplexity.OneofthesignsisthatthecompetitioninbankindustryandfinancialmarkethasbeenconstantlyescalatingsinceChina’sentryintoWTO.Theimprovementofcompetitivenessis,therefore,ofthestatutorygoalsforourfinancialregulationwhichisexaminedbyourregulatorybodies.anditisalsooneoftoppriorityforcommercialbanksthathavealwaysbeencommittedtoreformanddevelopment,Atthebeginning,thispaperintroducestheconceptof“competitivenessofcommercialbanks”andthestatusquoofitsevaluationindifferentcountries.BydrawingonthedatapublishedbylistedcommercialbanksinChina,thispaperwillexaminefourmajorcommercialBanks’competitivenessthroughquantitativeindexandexplorethemajorinfluentialfactors.Onthebasisofanalysis,thispaperarguesthatthecompetitivenessofcommercialbankstendstobedifferent,anditproposesseveralstrategiesforcommercialbankstoimproveitscompetitiveness,including:improvingtheadministrationstructureandbusinessstructure,choosingthedevelopmentstrategytoensurelong-terminterest,adjustingtheprofitingmodelandincreasingprofitableentries.Keywords:Chinesecommercialbanks,Competitiveness,Empiricalanalysis英文摘要页码长沙学院毕业论文III目录摘要....................................................................................................................IABSTRACT.........................................................................................................II一绪论...............................................................................................................1（一）研究背景与意义........................................................................................................1（二）国内外研究现状........................................................................................................1（三）研究的主要内容........................................................................................................3（四）研究思路....................................................................................................................3（五）研究方法....................................................................................................................4二国有商业银行竞争力概述...........................................................................5（一）商业银行竞争力的内涵............................................................................................5（二）商业银行竞争力的分析指标....................................................................................51盈利性指标..................................................................................................................52风险性指标..................................................................................................................63安全性指标..................................................................................................................6（三）国有商业银行竞争力存在的不足............................................................................61缺乏产品创新..............................................................................................................62银行资源分散，结构繁冗..........................................................................................73缺乏长期的战略规划及能力培养..............................................................................74员工培训不足，创新意识薄弱..................................................................................7三四大国有商业银行竞争力指标分析.............................................................8（一）盈利性分析................................................................................................................81加权平均净资产收益率分析......................................................................................82非利息净收入率分析..................................................................................................93净利差率分析............................................................................................................104成本收入率分析........................................................................................................11（二）风险性分析..............................................................................................................121不良贷款率分析........................................................................................................122拔备覆盖率分析........................................................................................................13长沙学院毕业论文IV3减值准备对贷款总额比率分析...........................