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摘要本文在对商业银行竞争力研究的现状及研究意义，相关主要研究综述进行分析的基础之上，将现实竞争力及潜在竞争力作为中小银行竞争力评价的理论基础，围绕盈利能力、流动能力、安全能力、治理能力、人力资源能力、创新能力几个层面，选择相对应的评价指标来构建中小银行竞争力评价体系。并选取了我国7家中小银行，即4家股份制银行及3家地方城市银行，通过采用变异系数的方法并结合比较分析的方式对我国的中小银行的综合竞争实力进行实证分析及评价，得出中小银行竞争力的评价结果，即中小银行的综合竞争实力与国有商业银行尚存在一定的距离，并且中小银行的竞争能力强弱水平相对分散，各家中小银行的发展能力水平不均衡，实力悬殊。最后，根据实证分析的成果，文中从增强中小银行的内部竞争力及强化中小银行外部金融环境建设这两大方面来对中小银行今后的成长提出相应的战略对策。49245
毕业论文关键字：中小银行； 现实竞争力； 潜在竞争力
A Study of the Competitiveness Evaluation of Small and Medium Sized Banks
Abstract
Based on the present situation and significance of research on the competitiveness of commercial bank, on the basis of the analysis of relevant research review, the competitiveness and potential competitiveness as the theoretical basis for the evaluation of small and medium sized banks competitiveness, focus on profitability, liquidity, security capability, governance ability, human resources ability and innovation ability of several levels, choose the relative evaluation index should be to construct the evaluation system of small and medium banks and selected 7 small and medium-sized banks, 4 joint-stock banks and 3 local city banks, analyzing and evaluating the comprehensive competitive strength by using empirical coefficient of variation method and compared with the analysis method of small and medium banks in our country, the small and medium-sized banks the competitiveness of the evaluation results, there is still a certain distance from the comprehensive competitiveness of small and medium-sized banks and state-owned commercial banks, And small and medium-sized banks in the level of competition ability is relatively dispersed, the level of development of various small and medium banks is not balanced, competitive strength. Finally, according to the results of empirical analysis, the from the enhancement of small and medium-sized banks internal competitiveness and strengthen the small and medium-sized banks external financial environment of the two aspects of small and medium-sized banks in the future growth and development put forward corresponding countermeasures.
Key Words：small and medium-sized banks； real competitiveness； potential competitiveness
目 录
摘要 1
Abstract 2
目录 3
一、引言 4
（一）研究目的和意义 4
（三）研究框架和研究方法 6
二、中小银行的概述及商业银行竞争力分析的理论基础 8
（一）中小银行的内涵 8
（二）商业银行竞争力分析的理论基础 8
三、中小银行竞争力的评价方法及构建 10
（一）中小银行竞争力常见的评价方法 10
（二）中小银行竞争力评价体系的构建