大型商业银行国际竞争力:理论框架与国际比较  

International Competitiveness of Large Commercial Banks:Theoretical Framework and Comparative Study

作　　者：陈雨露[1,2] 甄峰[3,4] 

机构地区：[1]北京外国语大学 [2]中国人民大学财政金融政策研究中心 [3]中国银行 [4]中国社会科学院

出　　处：《国际金融研究》2011年第2期89-95,共7页Studies of International Finance

基　　金：教育部重大攻关课题"全球新型金融危机与中国外汇储备问题研究"(08JZD0011);中国博士后科学基金(20100480239)

摘　　要：本文在总结国内外有关商业银行竞争力研究的基础上，提出了包含四组均衡关系的商业银行国际竞争力分析框架．即从资产与负债、收益与风险、创新与稳健、本地与扩张的角度来分析大型商业银行的国际竞争力问题．并结合英国《银行家》2006-2010年公布的全球大型银行财务数据展开实证分析。获得与理论框架相对应的规模、利润、稳健、增长4个解释因子。从实证结果来看，全球大型商业银行正在逐渐摆脱危机，但仍未完全恢复，我国的大型商业银行逐渐成长为有明显竞争优势的国际大银行，但仍需通过产品创新、资产运营、本地市场和风险管理提高国际竞争力．Based on the overall analysis of foreign and domestic studies on commercial bank＇s competitiveness, this paper comes up with a theoretical framework for the analysis of large commercial bank＇s international competitiveness, which involves 4 equilibrium relations, i.e. assets and liabilities, profits and venture, innovation and stability, indigenization and internationalization. Moreover, by using the data of the largest banks in the world, published by The Banker from 2006 to 2010, the empirical study explains the competitiveness into 4 factors, i.e. size, profit, stability and growth, each of which eon-esponds with an equilibrium relation in the theoretical framework. The empirical results demonstrate that the world largest banks are breaking off from the crisis, but haven＇t been reverted completely. China＇s large commercial banks have already demonstrated obvious competitive advantage in the world market, but still need improvement in fields like product innovation, assets operation, local market and risk management.

关 键 词：商业银行 国际竞争力 均衡 创新 

分 类 号：F831[经济管理—金融学]