下面为大家整理一篇优秀的essay代写范文- The competitiveness of commercial Banks，供大家参考学习，这篇论文讨论了商业银行的竞争力。在如今的时代，竞争力成为了商业银行综合能力的体现，商业银行想要在竞争中占得优势和获得良好发展机遇，就需要良好的资源状况、营运能力，使企业资源配置合理，同时还需要良好的企业外部发展环境。所以，资源状况、营运能力和外部环境等多种因素间相互作用，综合作用于商业银行的竞争力。
The financial industry is a strong pillar of a country's economic development, and the banking industry is at the core of the whole financial system. With the trend of international economic development in recent years - body to strengthen, the development of the financial industry is becoming more and more liberalization and the open, system, especially in the marketization of interest rate, small and medium-sized enterprise financing channels more, at the same time to each commercial bank's business model and profit level bring huge challenges. The competitiveness of China's commercial Banks will be directly related to the stability of China's financial industry and national economy. How to change the competitiveness of China's commercial Banks and how to improve the core competitiveness of China's commercial Banks has become a real problem for the development of China's commercial Banks.
Competitiveness itself is a reflection of each commercial bank's comprehensive ability, the commercial Banks want to gain the advantage in competition and obtain good development opportunities, you need good resource conditions, operation ability, make the enterprise reasonable allocation of resources, at the same time also need good corporate external development environment, its advantage in the market competition is determined by its resources and ability, at the same time its resources and business capability and counterproductive to the commercial bank industry, changing the whole industry competition situation. Therefore, various factors, such as resource status, operating capacity and external environment, interact with each other and comprehensively affect the competitiveness of commercial Banks.
In this paper, extraction of 16 samples of commercial bank's financial data, calculate the profitability, liquidity, security, market capacity and the ability to grow these five aspects related indicators, statistical analysis of the factor analysis of financial indicators. Firstly, the main influencing factors of commercial Banks' competitiveness, namely public factors, are found out through principal component analysis. The extracted public factors are defined by component matrix analysis. Finally, the comprehensive score was calculated and ranked according to the obtained factor score.
In selecting analysis indicators we can find that factors affecting the competitiveness of commercial Banks, more difficult to find the main contradiction, makes it hard for enterprise managers in making decisions with accurate basis, therefore we need to find out the main factors influencing the competitiveness of commercial Banks, on the basis of this puts forward corresponding proposals to commercial Banks. Through principal component analysis (pca), we can find out the common factors influencing the competitiveness of commercial Banks, these few public factor is in the original index on the basis of comprehensive, not only retain the original information, and more targeted, has more advantages than the original financial indicators. Through analysis, it is found that it is feasible to extract 4 public factors after extracting 4 public factors and explaining 85.78% of the original information.
It can be known from the above analysis that there are 4 public factors that can explain most of the financial information, and the connotation of public factors can be analyzed through component matrix. Through component matrix analysis, it can be found that the first public factor is mainly affected by the growth rate of deposits and loans, reflecting the growth capacity of commercial Banks, which is defined as F1. The second public factor is mainly influenced by asset-liability ratio and property right ratio, which reflects the security of commercial Banks. It is defined as F2. The third public factor is mainly affected by the net asset interest rate, which reflects the profitability of commercial Banks. It is defined as F3. The fourth public factor is mainly affected by the proportion of deposits and loans and reflects the market capacity and liquidity of commercial Banks, which is defined as F4. To define a comprehensive index reflecting the comprehensive competitiveness of commercial Banks to F, in which F by the sample of the five commercial Banks index weighted summation, and the content of the weighting is explained by the common factor.
As you can see by the first public factor F1, societe generale, a substantial lead in nanjing and Beijing three Banks, commercial Banks, growth ability is much higher than the rest of the sample which the industrial and commercial bank of China and bank of China, ranked last, growth ability is poor. And growth ability of commercial Banks in China can be seen from the table top and finally comprehensive ranking to roughly the same, this for commercial Banks, improve the growth ability is very important to improve the competitiveness of commercial Banks. However, most commercial Banks only focus on immediate interests and have poor growth performance. Now serious product homogeneity between commercial Banks, business scope and business philosophy, industry competition is intense, between growth ability became the main factors to measure a commercial bank, commercial bank has good growth ability to attract more customers, in order to have a higher competitiveness.
Can be seen by the second public factor F2, nanjing, Beijing and three commercial Banks make travel security is higher, the liquidity risk and bad assets has good control ability, huaxia, everbright and SDB three commercial Banks low-ranking, risk control ability is poor.
Can be seen through the third common factor F3, societe generale, icbc and China merchants higher scores three commercial Banks, profitability is good, has the absolute advantage, citic, China, and bank profitability is relatively poor, scope of business and market maturity lags far behind the state-owned Banks.
By the fourth public factor F4, you can see that higher market share and liquidity is one of the best three commercial bank and construction bank, agricultural bank, nanjing state-owned Banks have absolute advantage in market share, the bank of China, China merchants and CCB three commercial Banks liquidity is poorer.
Through the above we can found that 16 samples of commercial Banks is strong comprehensive competitiveness in three commercial Banks societe generale, nanjing, Beijing, societe generale comprehensive score of 1.11, the highest competitiveness, nanjing bank and bank of Beijing, followed by commercial Banks far ahead of the rest of the sample. Bank of China has the lowest comprehensive score, the lowest ranking, and the competitiveness is far lower than other sample commercial Banks. Among them, the growth ability and security are the key to improve the competitiveness of commercial Banks. Some small and medium-sized commercial Banks have developed rapidly through the improvement of management innovation and security.
Through the above analysis we can see that 16 samples of the competitiveness of commercial Banks comprehensive score there is a certain gap, but the main impact or growth ability, thus it can be seen in the development process of commercial Banks pay special attention to improve the ability of future development.
Commercial Banks need to speed up the transformation of commercial Banks and improve their operating efficiency. According to customer demand change direction of management, pay attention to the development of financial business, expand business areas, to provide targeted financial plans, improve the quality of service attitude and service, expanding commercial bank's reputation at the same time promote the business management level, enhance business profitability. It is suggested to strengthen the innovation and cooperation mechanism of commercial bank business so as to enhance the development potential of deposit and loan business of commercial bank. Develop targeted business services according to customer needs, expand customer service scope and expand market share. In the competition of commercial Banks, the scale factor plays a certain role, but relying only on the scale advantage and the existing business model of commercial Banks will lead to the loss of original customers and the loss of competitiveness. In addition to the large scale of the five state-owned Banks, the only way for other commercial Banks to compete with them is to speed up their transformation and improve their operation ability.
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The financial industry is a strong pillar of a country's economic development, and the banking industry is at the core of the whole financial system. With the trend of international economic development in recent years - body to strengthen, the development of the financial industry is becoming more and more liberalization and the open, system, especially in the marketization of interest rate, small and medium-sized enterprise financing channels more, at the same time to each commercial bank's business model and profit level bring huge challenges. The competitiveness of China's commercial Banks will be directly related to the stability of China's financial industry and national economy. How to change the competitiveness of China's commercial Banks and how to improve the core competitiveness of China's commercial Banks has become a real problem for the development of China's commercial Banks.
Competitiveness itself is a reflection of each commercial bank's comprehensive ability, the commercial Banks want to gain the advantage in competition and obtain good development opportunities, you need good resource conditions, operation ability, make the enterprise reasonable allocation of resources, at the same time also need good corporate external development environment, its advantage in the market competition is determined by its resources and ability, at the same time its resources and business capability and counterproductive to the commercial bank industry, changing the whole industry competition situation. Therefore, various factors, such as resource status, operating capacity and external environment, interact with each other and comprehensively affect the competitiveness of commercial Banks.
In this paper, extraction of 16 samples of commercial bank's financial data, calculate the profitability, liquidity, security, market capacity and the ability to grow these five aspects related indicators, statistical analysis of the factor analysis of financial indicators. Firstly, the main influencing factors of commercial Banks' competitiveness, namely public factors, are found out through principal component analysis. The extracted public factors are defined by component matrix analysis. Finally, the comprehensive score was calculated and ranked according to the obtained factor score.
In selecting analysis indicators we can find that factors affecting the competitiveness of commercial Banks, more difficult to find the main contradiction, makes it hard for enterprise managers in making decisions with accurate basis, therefore we need to find out the main factors influencing the competitiveness of commercial Banks, on the basis of this puts forward corresponding proposals to commercial Banks. Through principal component analysis (pca), we can find out the common factors influencing the competitiveness of commercial Banks, these few public factor is in the original index on the basis of comprehensive, not only retain the original information, and more targeted, has more advantages than the original financial indicators. Through analysis, it is found that it is feasible to extract 4 public factors after extracting 4 public factors and explaining 85.78% of the original information.
It can be known from the above analysis that there are 4 public factors that can explain most of the financial information, and the connotation of public factors can be analyzed through component matrix. Through component matrix analysis, it can be found that the first public factor is mainly affected by the growth rate of deposits and loans, reflecting the growth capacity of commercial Banks, which is defined as F1. The second public factor is mainly influenced by asset-liability ratio and property right ratio, which reflects the security of commercial Banks. It is defined as F2. The third public factor is mainly affected by the net asset interest rate, which reflects the profitability of commercial Banks. It is defined as F3. The fourth public factor is mainly affected by the proportion of deposits and loans and reflects the market capacity and liquidity of commercial Banks, which is defined as F4. To define a comprehensive index reflecting the comprehensive competitiveness of commercial Banks to F, in which F by the sample of the five commercial Banks index weighted summation, and the content of the weighting is explained by the common factor.
As you can see by the first public factor F1, societe generale, a substantial lead in nanjing and Beijing three Banks, commercial Banks, growth ability is much higher than the rest of the sample which the industrial and commercial bank of China and bank of China, ranked last, growth ability is poor. And growth ability of commercial Banks in China can be seen from the table top and finally comprehensive ranking to roughly the same, this for commercial Banks, improve the growth ability is very important to improve the competitiveness of commercial Banks. However, most commercial Banks only focus on immediate interests and have poor growth performance. Now serious product homogeneity between commercial Banks, business scope and business philosophy, industry competition is intense, between growth ability became the main factors to measure a commercial bank, commercial bank has good growth ability to attract more customers, in order to have a higher competitiveness.
Can be seen by the second public factor F2, nanjing, Beijing and three commercial Banks make travel security is higher, the liquidity risk and bad assets has good control ability, huaxia, everbright and SDB three commercial Banks low-ranking, risk control ability is poor.
Can be seen through the third common factor F3, societe generale, icbc and China merchants higher scores three commercial Banks, profitability is good, has the absolute advantage, citic, China, and bank profitability is relatively poor, scope of business and market maturity lags far behind the state-owned Banks.
By the fourth public factor F4, you can see that higher market share and liquidity is one of the best three commercial bank and construction bank, agricultural bank, nanjing state-owned Banks have absolute advantage in market share, the bank of China, China merchants and CCB three commercial Banks liquidity is poorer.
Through the above we can found that 16 samples of commercial Banks is strong comprehensive competitiveness in three commercial Banks societe generale, nanjing, Beijing, societe generale comprehensive score of 1.11, the highest competitiveness, nanjing bank and bank of Beijing, followed by commercial Banks far ahead of the rest of the sample. Bank of China has the lowest comprehensive score, the lowest ranking, and the competitiveness is far lower than other sample commercial Banks. Among them, the growth ability and security are the key to improve the competitiveness of commercial Banks. Some small and medium-sized commercial Banks have developed rapidly through the improvement of management innovation and security.
Through the above analysis we can see that 16 samples of the competitiveness of commercial Banks comprehensive score there is a certain gap, but the main impact or growth ability, thus it can be seen in the development process of commercial Banks pay special attention to improve the ability of future development.
Commercial Banks need to speed up the transformation of commercial Banks and improve their operating efficiency. According to customer demand change direction of management, pay attention to the development of financial business, expand business areas, to provide targeted financial plans, improve the quality of service attitude and service, expanding commercial bank's reputation at the same time promote the business management level, enhance business profitability. It is suggested to strengthen the innovation and cooperation mechanism of commercial bank business so as to enhance the development potential of deposit and loan business of commercial bank. Develop targeted business services according to customer needs, expand customer service scope and expand market share. In the competition of commercial Banks, the scale factor plays a certain role, but relying only on the scale advantage and the existing business model of commercial Banks will lead to the loss of original customers and the loss of competitiveness. In addition to the large scale of the five state-owned Banks, the only way for other commercial Banks to compete with them is to speed up their transformation and improve their operation ability.
想要了解更多英国留学资讯或者需要英国代写，请关注51Due英国论文代写平台，51Due是一家专业的论文代写机构，专业辅导海外留学生的英文论文写作，主要业务有essay代写、paper代写、assignment代写。在这里，51Due致力于为留学生朋友提供高效优质的留学教育辅导服务，为广大留学生提升写作水平，帮助他们达成学业目标。如果您有essay代写需求，可以咨询我们的客服QQ：800020041。
51Due网站原创范文除特殊说明外一切图文著作权归51Due所有；未经51Due官方授权谢绝任何用途转载或刊发于媒体。如发生侵犯著作权现象，51Due保留一切法律追诉权。
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