基于主成分分析的中外资银行竞争力比较研究

本文基于主成分分析对我国银行业具有代表性的20家中外资银行的竞争力进行综合评价、比较。研究结果表明，国内本土商业银行的经营效益和综合竞争力强于外资银行；外资银行则在风险控制能力和业务创新能力方面具备竞争优势。根据实证分析结果，本文进一步分析了中外资银行竞争优势和劣势的成因，并对培育和提升国内商业银行竞争力提出了相关政策建议。

A Comparative Study on Competitiveness between Domestic and Foreign Banks Based on Principal Component Analysis

On the basis of Principal Component Analysis, the paper comprehensively evaluates and compares the competitiveness of twenty representative foreign and domestic banks in China＇s banking industry. The results indicate that while domestic banks have better profitability and comprehensive competitiveness, foreign banks tend to be more competitive on the aspect of financial innovation and risk control. According to the empirical results, this paper further analyzes the direct cause of the competitive strengths and weaknesses between domestic and foreign banks, and provides them with some practical references and recommendations.