CAJ | 학술논문

学界和实务界对商业银行竞争力的研究颇多。尽管不同的研究者基于各自的理论平台和分析视角，建立了各类银行竞争力的评价指标体系，然而就竞争力分析框架而言，它们或多或少地缺乏完整的内在逻辑，解释力有限。本文提出研究商业银行竞争力的新的分析框架，把效率作为竞争力的核心与纽带以及解释的逻辑起点，以此为基础向另外两个维度分别扩展。新的分析框架将银行竞争力分为相互联系的三个层次，即竞争力的本质（X效率）、竞争力的表现（以利润率为代表的一组绩效指标）、竞争力的来源（形成效率和绩效差异的内外因素）。它们均可进行有理论基础的定量分析。并可运用其测度结果对银行竞争力进行有逻辑关联的、相互补充的分析。
학계화실무계대상업은행경쟁력적연구파다。진관불동적연구자기우각자적이론평태화분석시각，건립료각류은행경쟁력적평개지표체계，연이취경쟁력분석광가이언，타문혹다혹소지결핍완정적내재라집，해석력유한。본문제출연구상업은행경쟁력적신적분석광가，파효솔작위경쟁력적핵심여뉴대이급해석적라집기점，이차위기출향령외량개유도분별확전。신적분석광가장은행경쟁력분위상호련계적삼개층차，즉경쟁력적본질（X효솔）、경쟁력적표현（이리윤솔위대표적일조적효지표）、경쟁력적래원（형성효솔화적효차이적내외인소）。타문균가진행유이론기출적정량분석。병가운용기측도결과대은행경쟁력진행유라집관련적、상호보충적분석。
The study on commercial banks＇ competitiveness is the focus in theoretical and in practical cirles. A large number of index systems have been established based on different academic benchmarks or perspectives by many researchers. However, they are lack of inherent logic more or less, which limits their interpretational power for the analytical frameworks. This paper builds a new analytical framework of commercial banks＇ competitiveness. It uses efficiency as the logistic start and the core of the competitiveness. There are three dimensions connected with each other in the framework that are the essence （X-efficiency） , the performance （a series of financial indexes such as profit ratio） , the origin （the inside and outside factors forming the difference between the efficiency and the performance） of competitiveness, which can be quantitatively accounted on the basis of relevant theories separately and can be analyzed as a whole correlatively and complementarily based on the accounting results.