亚太经济
亞太經濟
아태경제
Asia-Pacific Economic Review
2014年
4期
91~96
,共null页
层次分析法 两岸商业银行 竞争力
層次分析法 兩岸商業銀行 競爭力
층차분석법 량안상업은행 경쟁력
Analytic Hierarchy Process, Cross-strait Commercial Banks, Competitive Power
本文从基础资源、盈利能力、流动性、安全性和发展能力等方面选取19项指标，对14家大陆上市银行与16家台湾地区上市银行的竞争力进行比较研究。研究发现，2008年后大陆商业银行竞争力已经超过台湾商业银行，但台湾商业银行经营更加稳健，受金融危机的影响要小于大陆商业银行。大陆商业银行的优势主要体现在巨大的规模效应及良好的财务状况，台湾商业银行在风险管理、产品创新、差别化服务等方面更具优势。
本文從基礎資源、盈利能力、流動性、安全性和髮展能力等方麵選取19項指標，對14傢大陸上市銀行與16傢檯灣地區上市銀行的競爭力進行比較研究。研究髮現，2008年後大陸商業銀行競爭力已經超過檯灣商業銀行，但檯灣商業銀行經營更加穩健，受金融危機的影響要小于大陸商業銀行。大陸商業銀行的優勢主要體現在巨大的規模效應及良好的財務狀況，檯灣商業銀行在風險管理、產品創新、差彆化服務等方麵更具優勢。
본문종기출자원、영리능력、류동성、안전성화발전능력등방면선취19항지표，대14가대륙상시은행여16가태만지구상시은행적경쟁력진행비교연구。연구발현，2008년후대륙상업은행경쟁력이경초과태만상업은행，단태만상업은행경영경가은건，수금융위궤적영향요소우대륙상업은행。대륙상업은행적우세주요체현재거대적규모효응급량호적재무상황，태만상업은행재풍험관리、산품창신、차별화복무등방면경구우세。
After the financial crisis in 2008, the mainland and Taiwan enhance financial communication and corporation. In order to evaluate the competitive power of cross-strait commercial banks comprehensively and objectively, this paper applies the analytic hierarchy process to study the competitive power of 14 A-share listed banks in mainland and 16 listed banks in Taiwan during 2008-2012. And we choose nineteen indexes from five aspects comprised of basic resources, profitability, mobility, security and development capability to build the evaluation index system. Eventually we find that the commercial banks in mainland are much more competitive than those in Taiwan after 2008, while the commercial banks in Taiwan are more stable and less influenced by the financial crisis . The advantages of commercial banks in mainland mainly lie in big scale and good financial position, however the commercial banks in Taiwan are more advantageous in risk management, product innova- tion and diversified service.
