国有银行与股份制银行竞争力比较研究——基于因子分析法

以包括国有银行和全国性股份制银行在内的13家上市商业银行为对象,建立6个方面的指标体系,搜集2012年各银行审计报告中的数据,采用因子分析法进行统计分析,在此基础上比较其竞争力水平。研究结果表明,在规模实力和市场占有能力方面,四大国有银行仍然以压倒性的优势占据领先位置;在发展潜力方面,股份制银行有更好的表现,尤其是兴业银行和浦东发展银行;总体上,国有银行的竞争力水平名列前茅。

Comparison of competitiveness between state-owned banks and joint-stock banks based on factor analysis

Statistical analysis is conducted on the collected data from audit reports of 13 listed commercial banks including stateowned and national joint-stock banks in 2012, and an index system in 6 aspects is built, based on factor analysis. On that basis, their competitiveness is compared. The results show as follows. In terms of scale and market share, the four state-owned banks have overwhelming advantages; while in terms of development potential, the joint-stock hanks have better performance, especially about Industrial Bank and Shanghai Pudong Development Bank. Overall, the state-owned banks are the most competitive.