国有商业银行与外资商行大陆市场竞争力比较研究分析—以工商银行与渣打银行的比较分析为例 财务管理专业VIP专享VIP免费

国有商业银行与外资商行大陆市场竞争力比较研究以工商银行与渣打银行的比较分析为例摘要改革开放以来，我国经济迅速发展，随着我国加入世贸组织，开放化程度日益加深，全球金融一体化的不断发展不仅为我国商业银行带来了更多市场机遇，也使其面临更加严峻的国际竞争。我国商业银行和西方发达国家的银行业相比，还处于发展阶段，面对外资银行涌入我国市场，一方面加剧的竞争刺激了我国商业银行的迅速成长，另一方面，也给我国商业银行带来了严峻的挑战。运用案例分析，结合工商银行和渣打银行的财务数据，对其竞争力进行了分析，虽然外资银行在服务意识，业务创新、风险管控上的能力较强，然而本土化程度不够深，网点不多，导致其盈利能力还有待提高。对于我国商业银行而言，要学习和借鉴外资银行优秀的经营管理模式，服务创新意识，更好的适应国际化竞争环境，提高自身竞争力，实现平稳健康发展。关键词商业银行；外资银行；竞争力AbstractSincethereformandopeningup,China'seconomyhasdevelopedrapidly.WithChina'sentryintoWTO,theopeningdegreeisdeepened.ThecontinuousdevelopmentofglobalfinancialintegrationhasbroughtmoremarketopportunitiestoChina'scommercialbanks,andalsomadeitfacemoresevereinternationalcompetition.ComparedtotheCommercialBankofourcountryandwesterndevelopedcountrybankingindustry,isstillinthestageofdevelopment,inthefaceofforeignbanksintoChina'smarket,ontheonehand,competitionstimulatedtherapidgrowthofChina'scommercialbanks,ontheotherhand,alsototheCommercialBankofChinahasbroughtseverechallenges.Theuseofcaseanalysis,combinedwiththefinancialdataofcommercialbankandStandardCharteredBank,thecompetitivenessoftheforeignbanks,althoughinthesenseofservice,businessinnovation,riskcontrolability,butthedegreeoflocalizationisnotdeepenough,thedot,leadingtoitsprofitabilityremainstobeimproved.ForChina'scommercialbanks,weneedtolearnandlearnfromtheexcellentmanagementmodeofforeignbanks,innovateserviceconsciousness,betteradapttotheinternationalcompetitiveenvironment,improvetheircompetitiveness,andachievesteadyandhealthydevelopment.KeywordsCommercialbanks;foreignbanks;Competitiveness目录一、引言.........................................................................................................................................4二、商业银行竞争力的内容.........................................................................................................5（一）体制因素.....................................................................................................................5（二）银行管理团队.............................................................................................................5（三）战略规划.....................................................................................................................5（四）内部优化管理.............................................................................................................6（五）创新能力.....................................................................................................................6三、案例分析——工商银行与渣打银行比较分析.....................................................................6（一）企业简介.....................................................................................................................61.工商银行......................................................................................................................62.渣打银行.........................................................................................