CAJ | 학술논문

本文结合李嘉图比较优势、波特竞争优势等理论．构建适用于金砖国家银行业分析的综合竞争力模型。通过宏观、中观、微观三个层面指标对金砖国家银行部门竞争力进行测算和评估．并对结果进行比较研究。我们的结论是：金砖国家银行业竞争力普遍提升较快，但也表现出一定的差异，部分国家已接近新晋工业化国家水平；巴西、俄罗斯等市场化程度较高的国家银行业竞争力相对较强：印度、南非等国银行竞争力相对较弱．中国银行业竞争力略高于平均水平：金砖国家银行业竞争力正在从传统的资源禀赋密集型向要素密集型过渡：在金砖国家银行品牌竞争力方面中国的品牌排名比较靠前．但是大而不强的问题还是比较突出。最后．本文就中国等金砖国家银行业如何提升竞争力问题提出了几点思考。
본문결합리가도비교우세、파특경쟁우세등이론．구건괄용우금전국가은행업분석적종합경쟁력모형。통과굉관、중관、미관삼개층면지표대금전국가은행부문경쟁력진행측산화평고．병대결과진행비교연구。아문적결론시：금전국가은행업경쟁력보편제승교쾌，단야표현출일정적차이，부분국가이접근신진공업화국가수평；파서、아라사등시장화정도교고적국가은행업경쟁력상대교강：인도、남비등국은행경쟁력상대교약．중국은행업경쟁력략고우평균수평：금전국가은행업경쟁력정재종전통적자원품부밀집형향요소밀집형과도：재금전국가은행품패경쟁력방면중국적품패배명비교고전．단시대이불강적문제환시비교돌출。최후．본문취중국등금전국가은행업여하제승경쟁력문제제출료궤점사고。
In this paper, based on Ricardo＇s comparative advantage theory and Potter＇s competitive advantage theory, we build a model to study the comprehensive competitiveness of the BRICS banking industry. We develop several macro, meso and micro indicators to measure the competitiveness of the BRICS＇banking sectors and to compare the results. Our conclusions are： the competitiveness of the BRICS banking industry generally improves faster, though showing some differences, and certain countries have been close to the level of newly industrialized countries such as Poland. Brazil and Russia who have higher degree of marketization show relatively stronger competitiveness of their banking industry, while India and South Africa show relatively weaker competitiveness. The competitiveness of Chinese banking industry is slightly higher than the average. The BRICS banking industries are transiting from the traditional natural resource intensive to modem service factor intensive. Chinese hanks＇brand competitiveness is among the top, but being big and not strong remains a big trouble. Finally, this article gives China＇s banking sector some suggestions to enhance the competitiveness.