基于多元化经营视角的商业银行竞争力评价  

Evaluation on competitiveness of commercial banks based on the perspective of diversification

作　　者：赵卫花[1,2] 汤兵勇[1] 

机构地区：[1]东华大学旭日工商管理学院,上海200051 [2]东华大学教务处,上海200051

出　　处：《黑龙江大学自然科学学报》2012年第5期618-622,共5页Journal of Natural Science of Heilongjiang University

基　　金：国家科技支撑计划项目(2012BAH19F04)

摘　　要：对比分析目前对商业银行竞争力评价的方法,选取因子分析法,通过盈利性、安全性、流动性、加入多元化经营指标等指标,对17家商业银行综合竞争力进行了评价。通过因子旋转结果对影响竞争力的因子进行分类,从资产质量、资产规模、资本安全性、盈利能力、多元化经营程度等方面分析了17家银行的现实竞争力、潜在竞争力。得出结论:交通银行、招商银行、光大银行等中小型商业银行多元化经营情况和盈利能力好于国有大型商业银行,国有大型商业银行资本充足率好于中小银行。由于银行资产的特殊性,在未来的发展中商业银行要兼顾多样化经营、赢利性和安全性等指标,从现实发展能力和潜在发展能力多方面提高自身综合竞争力。By slecting profitability, safety, liquidity, and diversified management indexes, evaluation on competence of 17 business banks is given through the method of factor analysis. The actual competitiveness and potential competitiveness of 17 business banks is analyzed from the aspect of asset quality, asset scale, capital safety, per formance, and diversified management degree. The results state that small commercial banks such as Bank of Com munications, China Merchants Bank and China Everbright Bank are better than stateowned commercial banks in aspect of diversified management degree and profitability, while stateowned commercial banks are better than small commercial banks in aspect of safety. Commercial Banks should improve their competitiveness from the aspect of di versification, profitability and safety because of the particularity of bank assets.

关 键 词：综合经营 商业银行 竞争力 因子分析法 

分 类 号：F832[经济管理—金融学]