四大国有商业银行竞争力评价对比摘 要随着金融危机的硝烟逐渐消散，我国银行业迎来一个新的发展阶段。中国工商银行、中国建设银行、中国农业银行和中国银行是我国银行体系中最重要的四家商业银行，四家银行的规模总和占到了银行业的 49.2%以上，因此四大国有商业银行的竞争力很大程度上代表了我国银行的总体竞争力。本文通过运用一系列分析工具对这四家商业银行近四年来的的盈利状况，流动性状况，安全性和清偿力状况进行分析，使商业银行管理者能看到与国内同等规模竞争者的差距，找出不足，积极改进，使银行经营状况的得到改善。同时，也为投资者了解各银行的经营状况和作出投资决策提供依据。关键词：商业银行；竞争力；盈利性；安全性；流动性0The competitiveness of four state-owned commercial banksABSTRACT As the financial crisis is finished, China’s banking industry is in a new stage of development. Industrial and commercial bank of China, China construction bank, agriculture bank of China and bank of china are four important commercial banks of China’s banking system. The size of the four commercial banks accounted for 49.2% of banking sector. Therefore, four state-owned commercial banks largely represent competitiveness of China’s banking system. This paper analysis the profitability, liquidity conditions, safety and solvency of the four banks by a series of analysis tools. So that managers can see the gap between the domestic competitors of similar size, identify weakness and improve the situation of banks. Meanwhile it helps investors understand the operation state of the four banks and provides basic information for investment decisions.Key words: commercial banks; competitiveness; profitability; safety; liquidity1目 录 1 引言 …………………………………………………………4 2 四大国有商业银行竞争力现状…………………………………5 2.1 盈利性比率指标………………………………………………5 2.2 流动性比率指标………………………………………………6 2.3 安全性比...
