基于因子分析的中国上市城商行竞争力研究
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摘要
针对中国上市的城市商业银行竞争力评价问题进行研究.首先,选择已上市的21家城商行9项变量指标建议指标体系.其次,构建因子分析模型,运用MATLAB软件提取4个主因子,并计算各个因子的得分函数和排名.最后,利用综合因子得分公式计算上市城商行的综合竞争力并排名.结果表明:宁波银行、贵阳银行、锦州银行、南京银行和重庆银行在上市的城商行中具体较强的综合竞争力.最后,根据上市城商行存在的问题,对上市城商行的发展提出相关的建议.
The comprehensive competitive power of the launched city commercial banks is evaluated in this paper. Firstly, nine evaluation indicators of twenty-one city commercial banks are selected to construct the evaluation system.Then, a factor analysis and regression analysis model is established,and four main factors with MATLAB is figured out to obtain the scores of the competitiveness of twenty-one city launched commercial banks. According to the results, Ningbo Bank, Guiyang Bank, Jinzhou Bank, Nanjing Bank and Chongqing Bank show greater performance in launched city commercial banks.Finally, efficient and effective suggestions on further improvement of the launched city commercial bank is put forwared.
The comprehensive competitive power of the launched city commercial banks is evaluated in this paper. Firstly, nine evaluation indicators of twenty-one city commercial banks are selected to construct the evaluation system.Then, a factor analysis and regression analysis model is established,and four main factors with MATLAB is figured out to obtain the scores of the competitiveness of twenty-one city launched commercial banks. According to the results, Ningbo Bank, Guiyang Bank, Jinzhou Bank, Nanjing Bank and Chongqing Bank show greater performance in launched city commercial banks.Finally, efficient and effective suggestions on further improvement of the launched city commercial bank is put forwared.
引文
[1] 焦瑾璞.银行业竞争力比较[M].北京:中国金融出版社.
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[3] 祁建熹.银行竞争力评价方法及其指标体系的构建[J].现代商业,2008(3):8-13.
[4] 王洁.我国上市商业银行综合竞争力评价分析[J].怀化学院学报,2012,31(7):26-28.
[5] 李业祥.基于因子分析法的商业银行业绩的综合评价[D].赤峰学院学报,2018,39(12),79-82.
[6] 陈一洪.我国城市商业银行竞争力的能力要素与比较研究[J].南方金融,2017(10):90-91.
[7] 刘澍.中国城市商业银行上市研究[D].辽宁大学,2016.
[2] 朱纯福.现代商业银行核心竞争力的结构性解释[J].金融论坛,2002(10):8-16.
[3] 祁建熹.银行竞争力评价方法及其指标体系的构建[J].现代商业,2008(3):8-13.
[4] 王洁.我国上市商业银行综合竞争力评价分析[J].怀化学院学报,2012,31(7):26-28.
[5] 李业祥.基于因子分析法的商业银行业绩的综合评价[D].赤峰学院学报,2018,39(12),79-82.
[6] 陈一洪.我国城市商业银行竞争力的能力要素与比较研究[J].南方金融,2017(10):90-91.
[7] 刘澍.中国城市商业银行上市研究[D].辽宁大学,2016.