科学认识竞争力比较分析 努力提升中国银行业竞争力

在银行竞争力的比较研究中,采用不同的技术方法会导致结果迥异,因此银行竞争力比较应注意研究方法的局限性。实际上,国有商业银行在资产规模、抗风险能力、市场影响力、商誉及网络技术等方面的现实竞争力具有明显优势,但由于历史和体制原因,在公司治理、资本充足率、资产质量及安全、盈利能力等方面的竞争力处于相对劣势。随着国有商业银行的股份制改革,公司治理结构正在不断完善,国有商业银行的竞争力正在不断加强。科学认识银行竞争力,面对竞争,抓住机遇,加快改革,不断提升中国银行业的整体竞争力水平,将是对银行竞争力比较研究的最终归宿。

Understanding the Comparative Analysis of Competitiveness Scientifically and Working Hard To Improve the Competitiveness of Chinese Banking Industry

In the comparative study of banking competitiveness, different approaches give different results. Therefore, attention should be paid to the limitedness of study methods. In fact, although state-owned commercial banks have obvious competitive advantages in asset scale, ability to defuse risks, market influence and credit and network technology, they are relatively weak in corporate governance, capital adequacy, asset quality and security and profit-making ability due to historical and system reasons. With the shareholding reform in progress, state-owned commercial banks are improving their corporate governance and competitiveness. The objective of the comparative study of banking competitiveness is to constantly boost the overall competitiveness of Chinese banking industry by adopting scientific concepts of competition and seizing the opportunity to gear up reform.