我国商业银行合作竞争的意义及策略选择

合作竞争作为一种新的竞争方式,对我国商业银行的意义不像其他国际银行那样是获取规模经济和范围经济效益,而主要是增强竞争有效性,降低经营成本,提高经营效率,从而提升我国银行整体竞争力和核心竞争力,进而提高银行经营效益.选择适当的国际战略合作伙伴以及力争在合作竞争组织中获取最大经济利益,是我国银行合作竞争的策略选择重点.前者可以在"3C"原则基础上运用德尔菲法和层次分析法比较确定,后者可以综合考虑现有理论提出的多劳多得、风险补偿和效用最大三个原则及其模型,运用改进的群体重心模型来确定体现公平原则的最优收益分配方案.

A Study on the Coopetition in China's Commercial Banks: Significance and Strategies

Since the middle of the 1990s, co-operative competition has become an important trend in the development of international banking industry. Commercial banks in China should also take co-operative competition strategies into serious consideration to meet with challenges of the ever-changing international financial environment and competition. The significance of co-operative competition lies in: changing the competition pattern of the banking industry and thus improving the efficiency of the competition by changing the structure and scope of competition among banks; reducing administrative cost and enhancing banks' operating efficiency by the establishment of the quasi-market organization; upgrading the competitiveness of the banking industry through resource sharing, organization and operation synergism, advantage complementing and capability extending; then at the same time fully exerting comparative advantage of individual banks, concentrating on the core business in which they have the most competitive advantage in value-creation, and enhancing the core competitiveness. As to the strategy of co-operative competition, from the perspective of the microeconomic participant, each bank is free to decide on whether to apply co-operative competition strategies and how to choose partners by following market principles, while from the view of the macroeconomic decision of improving the whole and core competitiveness of the banking industry, emphasis should be put on the cooperation between domestic and foreign banks, especially on high level cooperation between state-owned banks and foreign banks. In the co-operative competition between domestic and foreign banks, the most important thing is to choose the appropriate international strategic partners and to gain as much economic benefit as possible from the co-operative competition. The method developed for the former is to design, first of all, some subdivision and, secondly, some rate indexes according to the three commonly used principles, i.e. compatibility, capability and commitment. Then decide the relative importance of each index by adopting DELPHI method, and work out the weight of each index through using AHP method. Finally, figure out the partner's final evaluation score, the one with the highest score being the most suitable. As to the latter, an improved group weight model is developed for benefit allocation, which combines the advantage of the three principles-more pains more gains, risk compensation and utility maximization. By using this benefit allocation model, the problem of distributing the revenue fairly and reasonably among different members of the bank's cooperation organization can be solved efficiently.