中小型商业银行核心竞争力评测及提升研究.doc

中小型商业银行核心竞争力评测及提升研究 摘 要 在我国银行就是经济发展及金融改革的结果，负责引入市场机制以及研究银行商改革工作的两个事情。同时，核心竞争力关系着中小型商业银行的生存和发展，因此对中小型商业银行竞争力的研究迫在眉睫。当今距2006年我国银行板块全面市场化已有8年时间，国外的银行也全面得到国民待遇而大量的来到国内市场，我国的银行和国外的银行将在业务方面的竞争更加紧张。金融危机对各国影响，银行的竞争力受影响是不可避免的，我国的中小型商业银行也会被波及，增强中小型商业银行核心竞争力任务。近年来，虽然中小型商业银行的资产规模、盈利能力等经营绩效在不断提高，但其也存在着资本金不足、资产质量差等问题，严重制约着中小型商业银行核心竞争力的提高和可持续发展。本文用特定的中小型商业银行竞争力评价指标系统，对很多的商业银行的核心竞争力给出了评价名次，针对之前分析的结果，及借着中国经济转型的机遇，对中小型商业银行核心竞争力，具有一定的现实意义。 Abstract The bank is a product of Chinas Veronica developer and financial reform, shoulders the dual task of introducing market competition mechanism, and explore the road of reform of bank business. At the same time, the core competitiveness of the escalations between shrivel and developer of small and Madison-sized Barcelona banks, so the research on the combativeness of small and medium sized commercial banks is not only an importance theoretical issue various and complex, it is a challenging practicably problems. It not only has been engaged in specific business activities bankers are concerned, is one of the hot issues in the current economists and management scientists study. At present, from the 2006 Chinas banking market comprehensive opening for the past 8 years, foreign banks due to fully enjoy the national treatment and poured into China market, Chinas banking will be with foreign banks in the business, customers and geographical aspects of more intense competition. The Internationale abstinence crisis has had the varying Segre influence to Canberra banks, domestic, international combativeness of banks is inevitably affected by the medium and small Mercia banks, China is also affecting severe Challenger, enhance the core competitive of Chinas small and medium-sized banks be imperative. In recent years, although the small commercial bank asset size, profitability and so on business performance has been improving, but it also exist the problems of insufficient capital, asset quality is poor, which nefariously restrict the core compar