CAJ | 학술논문

随着金融业全方位开放，国有商业银行已成为国家经济命脉的核心，其竞争力强弱关系着国家经济的繁荣与衰退。本文基于模糊FNN-ELECTRE方法建立国有商业银行竞争力评价模型，以因素神经网络理论（ FNN）与ELECTRE融合方法为基础，以现有商业银行竞争力评价指标为着眼，把国有商业银行竞争力的评价体系从现实竞争力和潜在竞争力两个因素抽取为一级指标，以规模、质量、业务结构、效率、成长性五个因素设为二级指标。从实证的角度对银行A、银行B、银行C、银行D、银行E五大国有银行进行分析验证，对其属性值进行和谐性与非和谐性检验得出，银行B竞争能力最强，银行E竞争能力最弱，五大国有银行均有改进空间。
수착금융업전방위개방，국유상업은행이성위국가경제명맥적핵심，기경쟁력강약관계착국가경제적번영여쇠퇴。본문기우모호FNN-ELECTRE방법건입국유상업은행경쟁력평개모형，이인소신경망락이론（ FNN）여ELECTRE융합방법위기출，이현유상업은행경쟁력평개지표위착안，파국유상업은행경쟁력적평개체계종현실경쟁력화잠재경쟁력량개인소추취위일급지표，이규모、질량、업무결구、효솔、성장성오개인소설위이급지표。종실증적각도대은행A、은행B、은행C、은행D、은행E오대국유은행진행분석험증，대기속성치진행화해성여비화해성검험득출，은행B경쟁능력최강，은행E경쟁능력최약，오대국유은행균유개진공간。
With the all-round opening up of the financial sector , state-owned commercial banks become the core of the country ’ s economic lifeline , and the competitiveness of the strength of which is dependent on the country ’ s economic prosperity and recession .The paper , based on fuzzy FNN-ELECTRE method , establishs a state-owned commercial banks competitive assessment model .Taking the fusion method of combing the factor neural network theory(FNN)with ELECTRE and focusing on existing commercial banks competitiveness evaluation index , it ex-tracts from the evaluation index system of state-owned commercial banks factors firstclass index as both reality competitiveness and potential competitiveness factors , and puts the size , quality , business structure , efficiency , and growth into class index .At the same time , the author , from an empirical point of view , analyses and con-firms the competitiveness of Bank A , Bank B, Bank C, Bank D, Bank E, the five major state-owned commmer-cial banks , and examines their property value on harmonious and non-harmonious test .It is concluded that the competitiveness of the Bank B is the strongest , and the Bank E competitiveness is the weakest .The tive major state-owned banks all leave room for improvement .