提高我国商业银行竞争力的途径-参考资料..doc

提高我国商业银行竞争力的途径 摘要 金融作为现代经济的核心，无论对各国的国民经济还是世界经济都起着十分重要的作用。而银行又是我国金融行业的主体，其改革、发展、壮大对我国经济健康发展起着重要的支撑作用。特别是近年来，由于国内外市场的激烈竞争，怎样提高自身竞争力已经成为中国商业银行当前的紧急任务。银行竞争力就是银行综合能力的一种具体体现，由各银行在市场经济环境中与其他竞争对手争夺资源时所表现出来的生存能力和持续发展能力的总和。 本篇文章主要以竞争力理论为基础，从分析我国商业银行竞争力的含义着手，与外资银行对比分析我国商业银行现状和在发展道路上的不足之处，并找出制约我国商业银行健康发展的因素。针对我国商业银行现阶段的弱点提出一些有效的措施，来提高我国银行的竞争力。 关键词：我国商业银行 竞争力 现状 因素 措施 Abstract As the core of modern economy, financial plays a very important role in no matter for the nation development the world economy. The banking system is the mail part of the financial industry, the development of the financial industry is the supporting role of the revolution, development and strengthen of China’s economic. Especially in recent years, due to the fierce competition in the market at home and abroad, how to improve the competitiveness of Chinas commercial Banks have become the urgent tasks. Bank competition ability is a kind of bank comprehensive ability of concrete manifestation, by the bank in the market economic environment with other competitors when competing for resources have performed survival ability and sustainability of the sum. This article mainly based on the competitiveness. The comparative between the commercial Banks in China and the foreign bank will lead to the problems of the present situation and the development path of the China banking system and find out the factors that restrict the development of China commercial banks. Then some suggestions will be project to improve the competitiveness of the Banks in China. Key words: the commercial Banks in China competitive situation factors suggestions 1. 绪论 1.1选题的背景及研究意义 金融业是现代经济的核心，银行又是金融业的主体，商业银行竞争力的发展不仅关系到银行等金融企业的生存和发展，更与国家经济持续健康发展密不可分。商业银行竞争力是银行综合能力的体现，是在市场经济环境中相对于其竞争对手所表现出来的生存能力和持续发展能力的总和，决定了银行的长期发展趋势和竞争优势。目前不仅是从事具体经营活动的银行家们，还有很多经济学家和管理学家都一直不断的对商业银行的竞争力进行研究。 随着我国经济发展水平的提高和金融体系的不断完善，银行准入制度的放宽和世界大型跨国银行的进入，同业竞争强度逐渐上升。中国银行业之间的竞争压力不仅来自于外资银行和四大国有银行，还来自于近几年异军突起的股份制商业银行、城市商业银行和个别农村商业银行等，怎样提高商业银行的竞争力已然成为了每个银行的重要目标之一。