提高我国商业银行竞争力的策略研究  

On Strategies to Improve the Competence of Chinese Commercial Banks

作　　者：黄文涛[1] 胡丹[1] 

机构地区：[1]中央财经大学金融学院,北京100081

出　　处：《江西农业大学学报（社会科学版）》2007年第2期12-15,共4页Journal of Jianxi Agricultural University :Social Sciences Edition

摘　　要：竞争力是商业银行发展的核心问题,也是我国商业银行在银行业全面开放背景下面临的主要挑战之一。以部分商业银行为例,以盈利能力、流动性、安全性和成长能力为指标对中资、外资商业银行的竞争力加以比较分析,找到我国商业银行竞争力的差距,并从提高资本充足率、提高资产质量和进行金融创新等方面提出了提高我国商业银行竞争力的策略。Competence is the key issue in the growth of commercial hanks, and is also the main challenge that Chinese commercial banks are facing under the circumstances of full opening to foreign banks in China banking industry. By comparing the competence of Chinese banks with that of foreign banks in terms of profit-ability, liquidity, safety and growth, the paper summarizes some weaknesses in Chinese banks, and then makes some suggestions on how to improve the competence of Chinese banks, such as increasing Capital Ade-quacy Ratio （CAR） , improving assets quality and boosting financial innovation.

关 键 词：商业银行 竞争力 金融创新 

分 类 号：F830.3[经济管理—金融学]