中国商业银行国际竞争力评价方法研究

在中国加入WTO后,中资商业银行如何面对外资银行的竞争,是当前热点问题之一。从银行业绩的动态变化角度,结合二次相对评价模型和群组决策DEA模型可测算商业银行竞争力。该方法特点在于能够消除客观基础条件的差异而给评价结果带来的影响。而采用中国商业银行及国际商业银行1997—2002年的有关数据进行分析得出:虽然中国目前个人信用体系还不完善,但并不等于中国的银行就不能在其他方面培养具有特色的核心能力,对于国际竞争力标杆银行的赶超,银行核心能力的培育和保持将是根本性的保证。

On the Evaluation Model of the International Competitiveness of the Commercial Bank of China

After China became a member of WTO,how to face the challenge of foreign banks is an urgent problem for domestic commercial banks.Domestic commercial banks' competitiveness can be measured through observing the performance dynamic change and using Two-stage relative evaluation model and group decision DEA model.The advantage of the model is to get rid of the influence of basic condition differences.After analyzing the relative data of domestic and international commercial banks from 1997 to 2002,the author shows that although the China personal credit system is not perfect,it doesn't mean that domestic banks couldn't establish characteristic core competence in some other aspects.The banks core competence is the strategic insurance for surpassing international benchmark banks.