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摘要：近年来，随着我国利率市场化的不断推进，我国商业银行的竞争力也备受关注，各大商业银行也在不断扩大自身的规模，提高自己的发展能力。最近几年来，从金融危机以后，国内外的经济相对比较低迷，宏观环境比较紧张，在这样的形势下，许多外资银行与我们的股份制商业银行进行强烈的竞争，如此一来，我国股份制商业银行目前的形势还比较严峻，再加上自身也存在一定的问题，因此股份制商业银行必须适应新的形势，使得自身竞争实力不断提高。本文主要选取了12家全国股份制商业银行作为样本，从财务指标角度分析了这12家银行的资产状况、资产质量状况、流动性水平以及盈利能力。综合运用因子分析法，对其财务指标进行实证研究，全面分析了这12家银行的竞争力情况，提出了观点的是拥有较好资产的银行应当扩大小型企业的服务市场，同时改变以前的经营方式，不断提升管理方法，提高创新能力；另外，实力较强的银行应当发展自身的特色业务，扩大自身在市场中的竞争优势；处于稳健发展中的银行，建立科学的资本管理体系是当务之急，同时必须完善财务风险控制机制，大力发展中间业务，创新能力以及发展空间需要得到有效提高。31098
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毕业论文关键词：竞争力 商业银行 财务指标分析 因子分析
Research Competitiveness shareholding commercial banks
Abstract: In recent years, as China's interest rate market continues to advance the competitiveness of China's commercial banks is also of concern, the major commercial banks are also expanding their size, to improve their capacity for development. Since the financial crisis, the international economic downturn, the domestic macroeconomic environment is also very tight, under open conditions of foreign banks continue to enter China and China's large commercial banks and city commercial banks pide, our joint-stock commercial banks face significant challenges, coupled with joint-stock commercial the banks themselves are also some problems, so joint-stock commercial banks must constantly adapt to the changing new situation, to improve their competitiveness. This paper selected 12 national joint-stock commercial banks as the research object, from a financial point of view of asset status indicators 12 joint-stock commercial banks, asset quality, liquidity and profitability level. The use of factor analysis of joint-stock commercial bank's financial indicators were empirical analysis, a comprehensive analysis of the 12 joint-stock commercial banks competitiveness, and to make a better bank balance sheets should be innovative small micro-enterprise services, improve profitability, while conversion management model, enhanced bank management capabilities; strong profitability of the bank should actively develop business characteristics, the implementation of different operations expand its competitive advantage; the healthy development of the bank's capital should establish a scientific management system, improve financial risk control mechanism, while develop intermediary business, enhance innovation capability and development.
Key Words：Competitiveness Commercial bank Financial Indicators Factor analysis .
目 录
一、导言 - 1 -
（一）选题的背景及意义 - 1 -
（二）相关文献 - 2 -
（三）本文总结 - 4 -
二、股份制商业银行现状及发展特点 - 5 -
（一）相关概念界定及说明 - 5 -
（二）我国股份制商业银行竞争力现状分析 - 6 -
（三）中国股份制商业银行的发展特点 - 7 -
三、股份制商业银行竞争力财务指标分析 - 9 -