中外商业银行财务竞争力比较分析

《中外商业银行财务竞争力比较分析》由会员上传分享，免费在线阅读，更多相关内容在学术论文-天天文库。

1、西安外国语大学硕士学位论文监管缺陷和国际化经营能力较弱阻碍我国商业银行财务竞争力的提高。研究认为，为了更好地提升我国商业银行财务竞争力，未来应加强金融创新、推广中间业务提升多元化经营能力；完善风险计量方法和监管指标体系、加强互联网金融监管；跨国并购整合资源、银企合作提升国际化经营能力，提升在国际金融市场中的财务竞争力，从而在与外资银行竞争中保持并扩大财务竞争优势。关键词：商业银行财务竞争力因子分析评价体系中外比较论文类型：基础应用研究II万方数据ABSTRACTABSTRACTWiththeincreasingdevelopmentofthefinancialglobaliz

2、ation,theinternationalizationofChinesebanksisaninevitabletrend.Afterthe2008GlobalFinancialCrisis,thebatteredU.S.andEuropeanbanksmadeaseriesofpositiveadjustmentsandgatheredexperiencetoimprovetheircomprehensivecompetitiveness.Financialcompetitivenessisanimportantcomponentofthecomprehensivecom

3、petitivenessofcommercialbanks.Itisalsoadrivingforceformaintainingliquidity,creatingvalueandstableoperation.Itcanhelpcommercialbankstoeffectivelyimplementfinancialstrategiesandexpandfinancialcompetitiveadvantages.Facingthefiercecompetitioninthefinancialmarketsathomeandabroad,thereisanurgentn

4、eedtostudyhowtoimproveChinesecommercialbanks’financialcompetitiveness.Withtherapiddevelopmentofourcountry’seconomy,Chinesecommercialbankshaveenhancedtheircapitalstrengthandimprovedtheirprofitabilityremarkably.Inrecentyears,withthedeceleratedeconomicgrowthandinterestratemarketization,financi

5、alcompetitivenessproblemsfacedbyourcountry’scommercialbanksareemerging.OneproblemistheincreaseofChina-fundedbanks’non-performingassets.Anotherproblemistheincompleteliquidityriskregulation.Additionally,therewasastateoflegaldeficiencyonInternetfinancialsupervision.Forth,Chinesecommercialbanks

6、havesinglebusinessstructuresgenerally.Fifthly,weakinternationaloperationcapacityisacommonproblemforChinesecommercialbanks.Withthechangeofeconomicandmarketenvironment,Chinesecommercialbanksshouldchangetheirpreviouspatternthattheyrelyprofitgrowthonscaleexpansion.Theyarebadlyinneedofreformandt

7、ransformationtoimprovetheirfinancialcompetitivenessandexpandfinancialcompetitiveadvantages.Thispaperselects31commercialbanksin11countriesandregionsofAsia,Europe,NorthAmericaandSouthAmericaastheresearchobjects.Accordingtotheconnotationoffinancialcompetiti