摘要
面对当前经济形势不断变化和金融业深化开放的现状,中国商业银行积极打破固有经营模式,通过转型升级来应对日益增加的竞争压力。本文从竞争力相关理论入手,采用熵值法,基于中国4家国有大型商业银行2006-2017年多指标时间序列数据和28家上市商业银行2017年多指标截面数据,研究中国商业银行竞争力的变化趋势和主要影响因素。研究结果表明:国有大型商业银行竞争力虽受宏观经济下行压力的影响,但在中国市场仍占据领先地位;对外开放是中资银行保持竞争力的重要途径;盈利能力和抗风险能力的提高,是未来商业银行竞争力的主要来源。因此,面对复杂多变的国际国内形势变化,商业银行应不断改革,防范金融风险,以提高国际竞争力。
In the face of the changing economic situation and the deepening and opening up of the financial industry, Chinese commercial banks need to actively break the inherent business model and deal with the increasing competitive pressure through transformation and upgrading. This paper starts with the theory of competitiveness, and uses the entropy method to study the trend and the main factors that influence the competitiveness of China’s commercial banks based on the multi-indicator time series data of China’s large commercial banks between 2006 and 2017 and the multi-indicator cross-section data of 28 listed commercial banks in 2017. The results show that although the competitiveness of China’s large commercial banks is reduced by the pressure of macroeconomic downturn, the large commercial banks still holds a leading position in China’s market. External expansion is an important way for China’s banks to maintain competitiveness and in the future, the improvement of profitability and anti-risk ability are the main sources of competitiveness.
出处
《金融监管研究》
CSSCI
北大核心
2019年第5期70-82,共13页
Financial Regulation Research
关键词
商业银行
竞争力
熵值法
Commercial Banks
Competitiveness
Entropy Method
