摘要近年来，我国社会主义市场经济不断的发展，我国的银行业市场面临全面开放，外资银行进入，城市商业银行迅猛发展，银行业竞争日益激烈。而上市商业银行作为我国银行业的主要部分，其综合竞争力的发展决定了我国银行业综合能力的发展，为我国未上市商业银行树立了一面旗帜。对我国上市商业银行的竞争力进行客观、全面的分析和评价，能够促进我国银行业的健康发展，对我国金融业的发展具有极其重要的意义。

本文回顾了已有的商业银行竞争力研究，以此为基础，选取了16家上市商业银行作为研究样本，以各银行2014年的年报作为数据来源，采用因子分析法，提取出了五个影响商业银行竞争力的因子，从规模实力、盈利能力、风险控制能力、创新能力等方面对上市商业银行的竞争力进行分析，并确定各银行的综合竞争力排名。最后对研究结果进行了总结，为我国商业银行发展提出了建议。52379

In recent years, with the continuous development of the socialist market economy, opening of the China’s banking industry, entering with foreign banks, and rapid growing of city commercial banks. Banking industry competition is increasingly fierce. The listed commercial banks as a major part of China's banking industry, the development of its comprehensive competitiveness decide the development of our country banking industry comprehensive ability, to set up the banner for our country's unlisted commercial banks. On the competitiveness of China's listed commercial banks an objective, comprehensive analysis and evaluation, can promote the healthy development of China's banking，is extremely important for the development of China's financial industry.

This paper reviews the existing research competitiveness of commercial banks as a basis, selecting 16 listed commercial banks as the research sample. The paper analyzes the competitiveness of listed commercial Banks From the scale strength, profitability and risk control ability, innovation ability, etc. The article determines the Banks' comprehensive competitiveness rankings. Finally, the paper results are summarized, propose advice for our country commercial bank's development.

毕业论文关键词：商业银行；竞争力；因子分析

Keyword: Listed commercial banks；Competitiveness；Factor analysis 

目录

1. 绪论 6

1.1本文的选题背景及研究意义 6

1.2中外文献综述 6

1.3研究方法及内容 7

2.我国上市商业银行竞争力评价指标体系的建立 8

2.1商业银行竞争力评价指标体系选择原则 8

2.2我国上市商业银行竞争力评价指标选择 8

2.2.1现实竞争力指标 9

2.2.2潜在竞争力指标 11

3.我国上市商业银行竞争力的实证分析 13

3.1因子分析法的介绍 13

3.1.1因子分析法的基本概念及其适用性 13

3.1.2因子分析法的模型介绍 13

3.1.3因子分析的基本步骤 14

3.2 研究对象的确定及数据来源 15

3.2.1研究对象确定 15

3.2.2数据来源 15

3.3我国上市商业银行竞争力实证分析