国有商业银行的市场竞争策略研究
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摘要
随着我国金融市场的逐渐开放和金融改革的深入,中国银行业市场结构发生了重大变化,基本形成了垄断竞争的局面,行业竞争更趋激烈。再加上我国加入WTO所带来的冲击,如何有效地参与市场竞争,获取竞争优势,已成为商业银行面临的最大课题。我国国有商业银行在我国金融机构中占据主体地位。国有商业银行的竞争力大小之间关系到我国金融和经济的运行状况。
本文从分析我国商业银行所处的国际和国内的现实环境入手,对我国商业银行面临的现实环境做了详细的分析,并对我国商业银行竞争中存在的问题进行了深入的探讨,并分析了形成这些问题的原因。然后利用主成份方法对我国商业银行的竞争力做了实证分析。最后,借鉴发达国家商业银行的竞争策略理论,结合我国商业银行的实际情况,提出适合我国国有商业银行实际的竞争策略,为我国国有商业银行的竞争策略做出一点参考。
With the gradual opening up of China's financial markets and financial deepening reform , China's banking sector has undergone major structural changes in the market and formed amonopoly-competition situation basically . Competition will fiercer in the bank sector. Coupling with the impact of China's accession to the WTO, how to participate in market competition effectively and aquire for competitive advantages, have become the biggest issue the commercial banks have to face. China's state-owned commercial banks in China's financial institutions occupy a principal position. The competitiveness of state-owned commercial banks relate to the performancing of China's economic and financial .
Analysising the international and domestic situation, the paper do a detailed analysis of reality which China's commercial banks face .We explored the problem exsited in the competitiveness of China's commercial banks deeply and analysis the reason of the problem .Then the paper do a empirical analysis to the competitiveness of commercial banks with main elements approach. Finally, Based on the actual situation in China's commercial banks ,We give some competition strategy appropriate to our actual for China's state-owned commercial banks from competition strategy in developed country for making some reference to the competitive strategy of our state-owned commercial banks.
本文从分析我国商业银行所处的国际和国内的现实环境入手,对我国商业银行面临的现实环境做了详细的分析,并对我国商业银行竞争中存在的问题进行了深入的探讨,并分析了形成这些问题的原因。然后利用主成份方法对我国商业银行的竞争力做了实证分析。最后,借鉴发达国家商业银行的竞争策略理论,结合我国商业银行的实际情况,提出适合我国国有商业银行实际的竞争策略,为我国国有商业银行的竞争策略做出一点参考。
With the gradual opening up of China's financial markets and financial deepening reform , China's banking sector has undergone major structural changes in the market and formed amonopoly-competition situation basically . Competition will fiercer in the bank sector. Coupling with the impact of China's accession to the WTO, how to participate in market competition effectively and aquire for competitive advantages, have become the biggest issue the commercial banks have to face. China's state-owned commercial banks in China's financial institutions occupy a principal position. The competitiveness of state-owned commercial banks relate to the performancing of China's economic and financial .
Analysising the international and domestic situation, the paper do a detailed analysis of reality which China's commercial banks face .We explored the problem exsited in the competitiveness of China's commercial banks deeply and analysis the reason of the problem .Then the paper do a empirical analysis to the competitiveness of commercial banks with main elements approach. Finally, Based on the actual situation in China's commercial banks ,We give some competition strategy appropriate to our actual for China's state-owned commercial banks from competition strategy in developed country for making some reference to the competitive strategy of our state-owned commercial banks.
引文
[1] Micheal E.Porter,Competitive Strategy[M],NewYork Fress Press, 1980
[2] Micheal E.Porter,Competitive Advantage[M],NewYork Fress Press,1985
[3] Fred R. David , Strategic Management:Eighth Edition[M] ,Prentice-Hall International Inc,1992
[4]Julian Birkinshaw,Strategies for Managing Internal Competition[M],California Management Review,2001(Fall)
[5]Philip Kotler , Marketing Management — Analysis Planning Implementation and Control: ninth edition[M] , Prentice-Hall International Inc,1997.203
[6] 彼得 F.德鲁克等,公司绩效测评[M] (李焰,江娅译),北京:中国人民大学出版社,1999.116~194
[7].[美]迈克尔·波特,竞争优势[M] (陈小悦译),北京:华夏出版社,1997.23~375
[8] [美]迈克尔·波特,竞争战略[M] (陈小悦译),北京:华夏出版社,1997.54~232
[9].[美]汤姆森、斯迪克兰德,战略管理:概念与案例[M] (段盛华、王智慧译),北京:北京大学出版社,2000.15~59
[10].[美 ]唐纳德·索尔等,如何提升公司核心竞争力[M] (包刚升译),北京:企业管理出版社,2000.54~55
[11] 中国城市金融学会,中国城市金融优秀论文选集[M],北京:中国财政经济出版社,2004.11~18
[12] 华庆山,商业银行发展战略与创新——案例分析[M],北京:中国金融出版社,2001.93~115
[13] 陈柳、陈志,商业银行产业竞争力指标设置初探[J],北京:金融研究,2002,4(262):86~91
[14]戴国强等,商业银行经营创新[M],上海:上海财经大学出版社,1996.29~34
[15]金运、陈辛,银行再造[M],上海:上海人民出版社,2000.55~93
[16]王晓芳,中国金融发展问题研究 [M],北京:中国金融出版社,2000.17~22
[17] 段永宽,加入 WTO 背景下国有商业银行深化改革与金融创新研究[M],成都:西南财经大学出版社,2003.1~17
[18] 万颖群,关注国有银行与股份制银行的绩效差异[J],现代商业银行,2004(5):44~45
[19] 刘雅莉,中资本银行有竞争优势[J],现代商业银行,2003(1):44~45
[20] 舒欣、赖磊,外资银行策略解析[J],现代商业银行,2003(1):46
[21] 陆晓明,中国银行业公司业务产品组合深化路径[J],国际金融研究,2004(3):47
[22] 司徒珑瑜,学学国外跨国银行的经营 [J],现代商业银行, 2003(11):46~48
[23] 王华光,中国国有商业银行制度构建[M],成都:西南财经大学出版社,1998.71
[24]焦瑾璞,中国银行业竞争力比较 [M],北京:中国金融出版社,2002.234~246
[25]焦瑾璞,中国银行业国际竞争力研究[M],北京:中国人民大学出版社,2002.17
[2] Micheal E.Porter,Competitive Advantage[M],NewYork Fress Press,1985
[3] Fred R. David , Strategic Management:Eighth Edition[M] ,Prentice-Hall International Inc,1992
[4]Julian Birkinshaw,Strategies for Managing Internal Competition[M],California Management Review,2001(Fall)
[5]Philip Kotler , Marketing Management — Analysis Planning Implementation and Control: ninth edition[M] , Prentice-Hall International Inc,1997.203
[6] 彼得 F.德鲁克等,公司绩效测评[M] (李焰,江娅译),北京:中国人民大学出版社,1999.116~194
[7].[美]迈克尔·波特,竞争优势[M] (陈小悦译),北京:华夏出版社,1997.23~375
[8] [美]迈克尔·波特,竞争战略[M] (陈小悦译),北京:华夏出版社,1997.54~232
[9].[美]汤姆森、斯迪克兰德,战略管理:概念与案例[M] (段盛华、王智慧译),北京:北京大学出版社,2000.15~59
[10].[美 ]唐纳德·索尔等,如何提升公司核心竞争力[M] (包刚升译),北京:企业管理出版社,2000.54~55
[11] 中国城市金融学会,中国城市金融优秀论文选集[M],北京:中国财政经济出版社,2004.11~18
[12] 华庆山,商业银行发展战略与创新——案例分析[M],北京:中国金融出版社,2001.93~115
[13] 陈柳、陈志,商业银行产业竞争力指标设置初探[J],北京:金融研究,2002,4(262):86~91
[14]戴国强等,商业银行经营创新[M],上海:上海财经大学出版社,1996.29~34
[15]金运、陈辛,银行再造[M],上海:上海人民出版社,2000.55~93
[16]王晓芳,中国金融发展问题研究 [M],北京:中国金融出版社,2000.17~22
[17] 段永宽,加入 WTO 背景下国有商业银行深化改革与金融创新研究[M],成都:西南财经大学出版社,2003.1~17
[18] 万颖群,关注国有银行与股份制银行的绩效差异[J],现代商业银行,2004(5):44~45
[19] 刘雅莉,中资本银行有竞争优势[J],现代商业银行,2003(1):44~45
[20] 舒欣、赖磊,外资银行策略解析[J],现代商业银行,2003(1):46
[21] 陆晓明,中国银行业公司业务产品组合深化路径[J],国际金融研究,2004(3):47
[22] 司徒珑瑜,学学国外跨国银行的经营 [J],现代商业银行, 2003(11):46~48
[23] 王华光,中国国有商业银行制度构建[M],成都:西南财经大学出版社,1998.71
[24]焦瑾璞,中国银行业竞争力比较 [M],北京:中国金融出版社,2002.234~246
[25]焦瑾璞,中国银行业国际竞争力研究[M],北京:中国人民大学出版社,2002.17
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