6我国城市商业银行竞争力评价研究

华中科技大学硕士学位论文我国城市商业银行竞争力评价研究姓名：胡锦娟申请学位级别：硕士专业：国民经济指导教师：张建华20080501IV881420061414VAbstractTheUrbanCommercialBankwasanimportantandspecialpartintheexistingbankingindustrypattern.Thepaperhasstudiedthedefinition,appraisalandpromotionwayofthecompetitivenessoftheUrbanCommercialBank.ThepapergivesthedefinitionoftheUrbanCommercialBank’scompetitiveness,dividingitintodominancecompetitivenessandrecessivecompetitivenessandsettingeightweightingindexforeach.Usingthefactoranalyticmethodandanalytichierarchyprocess,drawingfourteentypicalUrbanCommercialBankfrommainareasofchina,thepaperweightedtheseUrbanCommercialBanks’competitiveness,accordingdatafromannualpaperofeachbank.Aftercomparingthese14cityCommercialbankcorecompetitivenesslevel,Thepaperdiscoveredthattherearemanycommonthingsbetweenthebankswhoranksinbetterplace.Thatis,clearmarketinggoal,goodservice,highinnovationabilityandwellriskcontrolsystem.What’smore,someinferiorUrbanCommercialBankshavethesamedeficiency.Thatis,concentratinginthetraditionalservice,noneinnovation,poormanagementstructure,withoutmarketgoalandfailinsettingupthecharacteristicbrand.Throughtheempiricalanalysis,thepapergivestheopiniononhowtoenhancethecompetitivenessofUrbanCommercialBank--takingthecharacteristic,innovationandsustainabledevelopmentpath.Keywords:TheUrbanCommercialBank,dominancecompetitiveness,recessivecompetitivenessIII_____111.1WTO,1.21.2.1WEFIMD(WorldEconomicForumWEF)(2000)(InternationalInstituteForManagementDevelopmentIMD)(2000)WEFIMDIMD2GDPWEFIMD1.2.2100010001.2.3CAMELCAMEL(C)(A)(M)(E)(L)(S)2001CAMEL(C)(A)(M)(E)(L)(S)(S)801()70802();60703(3)50604()505()1.2.420022005()()200522003WEF1.2.5200742007200720061.2.61.3514622.12.1.1C.K.1990,2.1.218090272.1.31()25001002.281/2/3=-/4/1=(/)100%2=(/)100%1()/(+l2.5)100%98%2()=(/)100%2-12-12.310=/1=/100%2=/100%34=/l00%111=/100%2=/l00%2-22-2Ki(i=1,2,3…8)H1H2H3K1K2K3K7K8K4K5K612320063.13.1.1F1F2X1X2F1F21931Thuistone20KarlpearsonCharlesSpearmenXV=XXPA1A2A3Ap0m(mP)75nP()maiF=a1F1+a2F2++amFm12341356nmFi;7F3.1.2(AHP)T.L.Saaty70AHP;ck,1AA2,A3…AXck,1AA2,A3…AXAHPckAiAj1~93-1n()()AijAnm×=143-11AiAj3AiAj5AiAj7AiAj9AiAj2468AiAj11/2,…1/9AiAj()1.0≤CRk3.1.3153.2-3.2.1123143-220063-33-2163-3X1X2X3X4X5X6X7X823.31.23301.597.9748.1245.482.929.5418.767.4245.199.550.7466.755.879.615.880.4779.3986.4959.1860.527.816.2913.340.6718.7598.9457.7364.553.4811.6219.621.5236.0499.5964.8648.951.49.36302.8119.399.2462.154.30.938.2723.791.4333.9399.8157.7962.610.3311.4810.841.3193.8199.9570.2439.583.28.112.331.3337.7696.8149.6239.692.549.567.60.02149.577250.237.628.853.6415.220.4136.388.9957.3961.555.1912.415.370.3312.4388.755.4227.8914.586.0311.21.14178.6599.1362.4146.460.558.596.980.3237.7596.3656.5460.34.846.03X1-X2-X3-X4-X5-X6-X7-X8-NA3.2.217SPSSSPSS11.03-4KMO0.5930.533.469P0.0090.013-4KMOandBartlett'sTestKaiser-Meyer-OlkinMeasureofSamplingAdequacy..593Approx.Chi-Square33.469df28Bartlett'sTestofSphericitySig..0090.853-50.85386.13803-5TotalVarianceExplainedComponentInitialEigenvaluesRotationSumsofSquaredLoadingsTotalTotalTotalTotal%ofVarianceCumulative%13.7863.5313.5313.53147.32747.32721.2031.3561.3561.35615.03562.36231.1021.2041.2041.20413.77176.1334.7865.4746.2857.2748.091ExtractionMethod:PrincipalComponentAnalysis.Varimax3-618FF1F2F3,3-6F1X1X7X3X40.8390.8300.727-0.879F2X5X6-0.9380.537F3X7X8-0.8000.6543-6RotatedComponentMatrix(a)Component123X1.839-.055.097X2.830.170-.053X3.727.258.229X4-.879.023.127X5.048-.938.094X6.456.537.393X7.359.259-.800X8.393.245.654ExtractionMethod:PrincipalComponentAnalysis.RotationMethod:VarimaxwithKaiserNormalization.aRotationconvergedin10iterations.4Regression3-73-7ComponentScoreCoefficientMatrixComponent123X1.269-.158-.011X2.198.186-.175X3-.078.021.822X4.171-.722-.166X5-.241.123-.149X6.107.444-.257X7.232-.008-.163X8.227-.069.187ExtractionMethod:PrincipalComponentAnalysis.RotationMethod:VarimaxwithKaiserNormalization.ComponentScores.19F1=0.269X1+0.198X2-0.078X3+0.171X4-0.241X5+0.107X6+0.232X7+0.227X8F2=-0.158X1+0.186X2+0.021X3-0.722X4+0.123X5+0.444X6-0.008X7-0.069X8F3=-0.011X1-0.175X2+0.822X3-0.166X4-0.149X5-0.257X6-0.163X7+0.187X83152006F=0.44141F1+0.16946F2+0.15046F3143-83-80.9864331.154211-0.1590.60811.1203860.0918720.52510.589120.3140811.0511281.7840.584630.4563550.0761891.06630.374740.2581871.154211-0.1480.287850.8350540.820563-1.58140.270260.070029-1.4667131.64720.030270.06705100.0754310-0.5410-0.03980.118788-0.103111-0.5711-0.05191.074242-2.372114-1.3713-0.13410-0.65089110.6088450.1165-0.16711-1.13891120.826266-0.0356-0.65312-2.13891140.126267-0.057-0.93113-1.6870913-1.073912-0.8112-1.04814F1F2F3F3.2.33-8207123.3-3.3.12-22-2H1H2H3Ki(i=1,2…8)3-1⎥⎥⎥⎦⎤⎢⎢⎢⎣⎡1232/1123/12/11⎥⎦⎤⎢⎣⎡=122/111B⎥⎥⎥⎥⎥⎥⎦⎤⎢⎢⎢⎢⎢⎢⎣⎡=1112/12/11112/12/11112/12/122211222112B⎥⎦⎤⎢⎣⎡=11113BMATLAB3-9213-9Ki12345678wi0.0540.0850.0850.0420.0420.0420.3790.270,wii(i=1,2…8)Ki2-23.3.220063-103-105.681.785.822.62006NA223-11-0.993432.121632.12651-0.65511-0.61826-1.09584-1.61308-0.14787-0.76812-0.2232-0.26203-2.39319-0.38326-1.17888-0.60307-1.58862-0.7886-0.62135-1.499240.01733-0.153020.43308-