CAJ | 학술논문

银行业竞争力是银行综合能力的体现。在经济全球化和金融一体化加速发展的今天，中国要想成为经济强国和金融强国，需要迅速提高中国商业银行的竞争力。因此，客观比较并切实提高中国商业银行的竞争力，对于维护金融业的健康发展具有重要意义。以往的研究往往忽略了整合城市与农村银行的竞争优势问题，而本文的创新点在于：以商业银行竞争力理论为基础，通过对于2014年年初的数据整理，将四家城市商业银行和四家农村商业银行进行对比分析，提出了要健全我国的金融市场体系，营造良好的法律环境，努力开发中间业务并建立第三方平台等解决措施。
은행업경쟁력시은행종합능력적체현。재경제전구화화금융일체화가속발전적금천，중국요상성위경제강국화금융강국，수요신속제고중국상업은행적경쟁력。인차，객관비교병절실제고중국상업은행적경쟁력，대우유호금융업적건강발전구유중요의의。이왕적연구왕왕홀략료정합성시여농촌은행적경쟁우세문제，이본문적창신점재우：이상업은행경쟁력이론위기출，통과대우2014년년초적수거정리，장사가성시상업은행화사가농촌상업은행진행대비분석，제출료요건전아국적금융시장체계，영조량호적법률배경，노력개발중간업무병건립제삼방평태등해결조시。
Banking competence is the embodiment of comprehensive ability of banks. Since China wants to become an economic and financial power in the accelerated development of economic globalization and financial integration, it needs to improve the competitiveness of China’ s commercial banks rapidly. Therefore, the objective comparison and effective improvement of the com-petitiveness of Chinese commercial banks is of great significance for maintaining the healthy development of the financial sector. However, the previous studies tend to overlook the competitive advantages to integrate the urban and rural banking systems,resul-ting in the weak competitiveness of the city bank competition . This paper, therefore, with a comparative study on four city and four rural commercial banks based on the data of the beginning in 2014 within the framework of the competition theory, puts for-ward to establish a third-party intermediary business platform to improve our financial market system and to create a good legal environment.