商业银行核心竞争力评价指标体系研究

摘 要：商业银行核心竞争力是银行持续竞争优势的源泉。在当前瞬息万变的金融环境下，结合我国市场经济特点，探讨建立可体现商业银行核心竞争力本质和特征的研究方法和评价体系，对提升我国银行业整体核心竞争力，具有重要的理论与现实意义。为此，在现有研究成果基础上，从定性与定量两角度出发，构建了基于商业银行核心竞争力特征的过程评价体系与基于六性指标的结果评价体系，并以新建结果评价指标体系为基础，运用因子分析法进行实证分析，并给出提升我国商业银行核心竞争力的针对性建议，研究成果将重塑商业银行核心竞争力评价体系，为我国银行业竞争力相关研究提供新的研究思路与决策参考。

关键词：商业银行，核心竞争力，评价指标体系，实证研究

The Research on Evaluation Index System of the Core Competitiveness of Commercial Banks

Abstract：The Core Competitiveness is the source of sustainable competitive advantage of Commercial Banks. In the current, financial environment is fast-changing. Combined the characteristics of market economy in our country, exploring the establishment of research methods and evaluation system which can reflect the nature and characteristics of core competitiveness of commercial banks, has important theoretical and practical significance on enhancing the core competitiveness of China's banking industry as a whole. So based on existing research, from qualitative and quantitative perspective, this paper will build process evaluation system based on characteristics of core competitiveness of the commercial banks and results evaluation system based on six nature indicators of core competitiveness. Followed, conduct empirical analysis, based on the results evaluation system, though factor analysis and put forward suggestions on enhance the core competitiveness of commercial banks. The research will reshape the commercial banks' core competitiveness evaluation system and provide new research ideas and decision-making on the research of competitiveness of China's banking industry.

Keyword：Commercial Banks，Core Competitiveness，Evaluation Index System