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基于因子分析法对我国地方性商业银行竞争力的分析

nalysis of the Competitiveness of Chinese Local Commercial Banks Based on Factor Analysis Method

中文摘要英文摘要

商业银行竞争力关系着商业银行的生存与发展,构建科学全面的商业银行竞争力评价体系,对于新常态经济下银行业健康发展具有重要理论意义与现实意义。本文从盈利性、成长性、安全性和发展能力四个方面选取了12个指标作为商业银行竞争力的评价指标,运用因子分析法对我国17家地方性商业银行2017年的竞争力进行评价分析。实证结果表明:我国地方性商业银行在综合竞争力上表现较差,有待提高。各银行在影响其综合竞争力的因子上得分相差较大,发展极不均衡。建议地方性商业银行加强成本控制能力,加强风险管理能力,找准自身市场定位,发挥自身优势。进而提高地方性商业银行综合竞争力,促进银行业的稳健发展。

ompetitiveness of commercial banks bearing on the survival and development of commercial banks, to build a comprehensive system for assessing competitiveness of scientific commercial banks, for the healthy development of the banking sector in the new normal economy has important theoretical and practical significance. This paper selects 12 indicators from the four aspects of profitability, growth, security and development ability as the evaluation indicators of commercial banks\' competitiveness.The factor analysis method was used to evaluate the competitiveness. The empirical results show that: the poor performance of local commercial banks on the overall competitiveness needs to be improved. On the banks affect their overall competitiveness factor score difference between the larger development is highly uneveThe Research of Competitiveness of China\'s Local Commercial Banksn. It is recomThe Research of Competitiveness of China\'s Local Commercial Banksmended that loThe Research of Competitiveness of China\'s Local Commercial Bankscal commercial banks should strengthen their cost control capabilities, strengthen their risk management capabilities, identify their own market positions, and leverage their strengths. And to improve the comprehensive competitiveness of local commercial banks, and promote the healthy development of the banking sector.

曹国华、张萍

财政、金融

商业银行竞争力因子分析法

commercial bankscompetitivenessfactor analysis method

曹国华,张萍.基于因子分析法对我国地方性商业银行竞争力的分析[EB/OL].(2019-03-11)[2025-08-16].http://www.paper.edu.cn/releasepaper/content/201903-100.点此复制

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