3城市商业银行核心竞争力研究--以晋商银行为案例

山西财经大学硕士学位论文城市商业银行核心竞争力研究--以晋商银行为案例姓名：许世亮申请学位级别：硕士专业：金融学指导教师：苑改霞2010-03-1512AbstractCitycommercialbankshavealreadydevelopedover10years,theyhavegotgreatachievements,andhasbecomeanimportantpartofChina'sbankingsystem.Attheendof2009,totalassetsofurbancommercialbanksreached5.68001trillionYuan,accountingfortheamountofthebankingsectorcomparedto7.2%.Butweshouldalsoseethat,afterthefinancialcrisis,theexternalbusinessenvironmentofcommercialbankshasdefinitelychanged,moreandmoreintensecompetitioninthedomesticbankingsector,foreignbanksarestartingtoenterourcountryanddeepintotheinlandcities.Withthisbackground,themarketforcitycommercialbanks,alotofdifferencesanddisputescomeaboutforcompetitivenessandsustainabledevelopmentstrategies.So,deepstudiesforthemarketcompetitivenessofcitycommercialbankshavegreatsignificance.Inshort,improvethecorecompetitivenessistheFundamentalWayofcitycommercialbank'sdevelopment,whichisalsothepurposeofthispaperlies.First,inthispaper,basedonthetheoryofthecorecompetitivenessofcitycommercialbanks,introducethebasicconceptsandcharacteristicsofthecitycorecompetitivenessofcommercialbanks,andexpounditintorealcompetitivenessandpotentialcompetitiveness.Thentoour6non-listedcitycommercialbanks,3listedcitycommercialbanks,3state-ownedbanks,6joint-stockcommercialbanksastheresearchobject,buildthecorecompetitivenessofbanksaframeworkforcomparison,comparativeanalysisandobjectiveassessmenttheheartofthecitycommercialbanks,competitiveness,andtakeaSWOTanalysis.TakeJinshangBankasthecasetocomparewiththeother12non-listedcitycommercialbanks,anditspredecessor:TaiyuanCityCommercialBanktofindthedifferencebetweenbeforeandnow.TheAmericancommunitybank’sclearmarketposition,detailedaccesstoinformation,advantagesintheregionaloperatingcost,productinnovationandthematurepersonalitydevelopmentstrategy,providesChina'scitycommercialbankstomarketorientationausefulinspirationandreference.Finally,accordingtotheanalysisoftheresultsofempiricalresearch,combinedwiththedevelopmentofcitycommercialbanksarecurrentlytheactualsituationofcommunitybanksintheUnitedStateslearnfromthedevelopmentexperienceofmature,basedontargetedaseriesofmeasuresandstrategieswithaviewtofurtherenhancethecitycommercialbankstomaintainitscompetitivenessandprovidereferenceforthesustainedandhealthydevelopment.keywordsCommercialbanksCitycommercialbanksCorecompetitivenessComparativeanalysis1[1995]25234561990200120037()2006038200520049200203200506101120051229122004171314151617182006.10192007.12021222324252627282006.1292006.123031322010.133342006.103536200615372006.11383940411...19972.WTO.20003...20014...2002(4).5...20026...20037...20038...2002.39.()..200410...200411.[J]..200412.[J]..200513.[J]..2006.1014.[M].200615..[J]..200716.[J]..200717.[J]..200718...[J]..200719..[J]..200720.[J]..200721.[J]..200722.2006-2007[J]..200723..2007240708.200825..2008.426.2009-20122009.727Mishkin,F.TheEconomiesofMoney,bankingandFinancialmarkets(4thed)Harper42CollegePublishersInc.1995.28RoyLubit.TacitKnowledgeandKnowledgeManagement:TheKeystoSustainableCompetitiveAdvantage,OrganizationalDynamics.Vol.29.No.4.P164-178.200129KennethP.Brevoort.TimothyH.Hannan.CommercialLendingandDistance:EvidencefromCommunityReinvestmentActData.200430RobertDeYoung.WilliamC.Hunter.Deregulation.theInternet,andtheCompetitiveViabilityofLargeBanksandCommunityBanks.TheFutureofBanking.200231RobertDeYoung.DeniseDuffy.Thechallengesfacingcommunitybanks:Intheirownwords.EconomicPerspectives.200232RobertDeYoung.WilliamC.Hunter.GregoryF.Udell.ThePast,Present,andProbableFutureforCommunityBanksJournalofFinancialServicesResearch.200433TimothyJ.Yeager.EconomiesofIntegrationinBanking:AnApplicationoftheSurvivorPrinciple.FederalReserveBankofSt.Louis.20044344城市商业银行核心竞争力研究--以晋商银行为案例作者：许世亮学位授予单位：山西财经大学本文链接：