作　　者： (陈一洪）;

机构地区： 福建泉州银行,福建泉州362000

出　　处： 《当代金融研究》 2017年第2期111-123,共13页

摘　　要： 在当前复杂的经济金融形势下,城商行正处在改革转型的关键时期。为有效拓展市场并应对日益激烈的竞争,近年来城商行不断摸索和实践,努力提升自身核心竞争力。文章从核心竞争力概念分析出发,提出城商行核心竞争力物化体现为风险管控能力、盈利创造能力和持续成长能力三个主要方面。在此基础上,文章搜集62家城商行2009~2016年的数据为分析样本,通过构建竞争力指标体系并对标银行业平均水平及招商银行,分析城商行的核心竞争力及其变化趋势,并提出增强资本补充能力、提升盈利创造能力和强化持续成长能力的政策建议。 In the current complex economic and financial situation,city commercial bank is in a critical period ofreform and transformation.In order to effectively expand the market and cope with the increasingly fierce competition,in recent years,city commercial banks continue to explore and strive to enhance their core competitiveness.Based onthe analysis of the concept of core competence,this paper puts forward that the core competitiveness of city commercialbanks is embodied in three main aspects:risk control ability,profit creation ability and sustainable growth ability.Onthis basis,the article collected2009～2016data of62city commercial banks for the analysis of samples.Throughthe construction of competitiveness index system and the standard level of the banking and industry China MerchantsBank,this paper analyze core competitiveness and its changing trends of city commercial banks.This article finallyputs forward policy recommendations to enhance the ability of supplementing capital,enhancing profitability andstrengthening sustainable growth.

关 键 词： 城市商业银行 核心竞争力 横向对比 纵向分析