商业银行竞争力评价体系研究--以我国大型股份制商业银行为例

摘要

With the steady development of China's economy, the competition of commercial banks becomes more and more serious. Therefore, it is important to make clear positioning in the market for commercial banks. Based on the study of existing commercial bank competitiveness evaluation system, combined with the current development of China's commercial banks, this paper uses the principal component analysis to make a quantitative evaluation on ap-propriate and more comprehensive indicators for overall competitiveness of seven national joint-stock commercial banks. According to the results from the empirical study, this paper puts forward relevant proposals on how to en-hance the competitiveness of commercial banks in the same industry.%随着我国经济的持续稳步发展，在整个金融体系中居特殊而重要地位的商业银行，竞争也愈演愈烈。因此，明确自身定位成为其提高综合竞争力的首要前提。本文基于现有对商业银行竞争力评价体系的研究，结合当前我国商业银行的发展现状，选取了合适且较为全面的指标，利用主成分分析法对七家全国性股份制商业银行的综合竞争力进行定量评价。针对实证研究得出的结论，本文对商业银行如何增强在同业间的竞争力提出了相关建议。