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摘要：在经济日益全球化的今天，商业银行的发展呈现多元化趋势，竞争也越发激烈，金融业作为现代经济的支柱与核心，其发展水平在一定程度上影响一个国家的经济发展水平和地位，目前我国商业的整体的竞争力并不是很强，竞争形势严峻，我国银行业在为经济发展做出巨大贡献的同时，也暴露了一些问题：风险管理水平，经营管理水平以及中间业务收入占比等与国际同行业之间还有很大的差距。38094
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如何在国际化的条件下，提高我国银行业的竞争力，保持金融业的蓬勃发展是我国商业银行面临的一个挑战。因此本论文选取了包括国有商业银行、城市性商业银行、全国性股份制银行在内的16家商业银行作为竞争力问题研究的样本对象，运用SPSS软件对2014的数据进行因子分析，全面分析各个商业银行的竞争力，从而探究出影响商业银行竞争力的主要因素，再对比四大类商业银行指标来分析出如何提升我国商业银行的竞争力。
毕业论文关键词： 商业银行 竞争力 因子分析
Study on the competitiveness of the National Commercial Bank
Abstract: with the development of economic globalization, the development of commercial banks show the trend of persification, the competition is more intense, the financial industry plays a key and backbone role. its level of development to a certain extent affected the economic development level and status of a country, at present our country business overall competitiveness is not strong, the competitive situation is grim, the banking of our country had made a great contribution to the economic development and at the same time, also exposed some problems: the risk management level, Management level and the intermediate business income accounted for more than there is a big gap between the industry and the international.
How to improve the competitiveness of China's banking industry in the international conditions .the vigorous development of the financial industry to maintain is a challenge faced by Chinese commercial banks. This paper selected 14 commercial banks including state-owned commercial banks, city commercial banks, national joint-stock banks , as the competitiveness of the sample object, using the SPSS software, factor analysis of the 2014 data, a comprehensive analysis of the various commercial banks competitiveness, so as to explore the main influence factors of commercial bank competitiveness, and then compare the four kinds of commercial banks index to analyze how to improve the competitiveness of China commercial banks.
Keywords: commercial banks , competitiveness , factor analysis
目录
一、绪论 - 1 -
（一）研究背景 - 1 -
（二）研究意义 - 1 -
（三）研究方法 - 1 -
（四) 论文的创新 - 2 -
（五）研究框架 - 2 -
二、文献综述 - 2 -
（一）企业竞争力文献综述 - 2 -
（二）银行竞争力文献综述 - 3 -
三、我国商业银行竞争力评价模型的构建 - 5 -
（一）我国商业银行竞争力现状 - 5 -
（二) 我国商业银行竞争力模型评价指标 - 5 -
四、我国商业银行竞争力的实证分析 - 6 -
（一）研究样本 - 6 -
（二）数据来源 - 8 -
（三）实证数据分析 - 8 -
五、研究结论和研究展望 - 20 -
（一）研究结论 - 20 -
（二) 对策和建议 - 21 -
(三）研究展望 - 23 -
参考文献 - 24 -