笔者首先是对一些银行业的理论进行了回顾,主要探讨的是核心竞争力理论,
然后在此基础上,对我国目前国内的十四家上市银行进行了介绍,主要将其分为三
类:国有控股商业银行、股份制银行和城市商业银行。通过对这些银行的介绍,概
括了这三类银行的主要特征。

在文献陈述、现状分析的基础上,从盈利能力、流动能力、风险安全能力、发
展能力、市场占有能力和经营能力六个维度出发,选取我国14家上市银行2009年
年度报告的相关数据,运用SPSS16.0进行上市银行竞争力因子分析,指出从总体上
来看,股份制商业银行的竞争力要明显高于国有控股商业银行,并从银行角度和主
因子角度进行说明。进而从范围经济的多元优势、规模经济的盈利优势、中间业务
的盈利模式出发,剖析上市银行核心竞争力差异的原因,最后从基础、路径、战略
以及方法四个层面提出对策。

关键词:银行业;上市公司;核心竞争力;对策
ABSTRACT
In the modern economic development of economic globalization and the plurality of
information, banking sector plays an active role in promoting economic and social
development. So how can we make our banking sector develop rapidly is an important
subject.
The author firstly reviewed some theories, mainly theory of core competitive. Based
on this, the author introduced fourteen listing banks in our country and their current
situation. These banks can be divided into three kinds: state-controlled commercial banks,
joint-stock commercial banks and city commercial banks. After that, the author
summarized main characteristics of the banks.
Secondly, the author analyzed the fourteen listed banks on the profitability, liquidity,
risk and security capabilities, capacity development, market share, operating capability by
SPSS16.0. The outcome is that the overall competitiveness of the joint-stock commercial
banks is significantly higher than the state-controlled commercial banks. At the same time,
the author explained the indicators in detail. Finally, the author proposed some
countermeasures to improve the core competitiveness of banking sector.
Key words: Bank Industry; Listed Companies; Core Competitiveness; Methods