随着中国经济发展逐渐进入新常态，中国经济领域也开辟了新模式。互联网金融持续快 速发展，金融脱媒现象加剧，银行业告别黄金发展时期，传统商业模式受到严重冲击。银行 是为现代经济服务的主要工作手段和重要的宏观调控工具，是货币流通的关键和宏观调控政 策实施的基矗一方面，通过增加储蓄向投资的转化率，提高生产要素的数量，另一方面， 通过促进资原的优化配置，提高生产要素的生产率和促进国民经济的增长，银行业已经成为 国民经济的重要组成部分。近年来，城市商业银行发展迅速，市场份额也有所提高，但仍存 在严重不足。因此，如何客观评价并有针对性的提高其综合竞争力，从而使其保持长足发展 态势，并在同业金融机构中占有一席之地，这是城市商业银行为了寻求新的发展和新的解决 方案必须研究的一个重要课题。 本文主要以徽商银行为研究对象，首先简要介绍了本文的研究背景、意义、国内外研究 现状、研究内容和方法，其次总结了本文的相关概念和理论基础，然后分析徽商银行的发展 现状，了解其发展情况和行业环境，运用PEST-SWOT分析法分析徽商银行目前的优势、劣 势、机会和问题。最后使用因子分析方法对徽商银行的竞争力进行实证分析，综合考虑定性 和定量测量的选择指标，从而创建一个系统的竞争力评价指标，运用2018年公布的财务数据， 以包括徽商银行在内的27家商业银行作为研究对象，提取因子并对其进行计算，最后得出徽 商银行竞争力评价的结果，徽商银行在各项指标上表现比较出色，但是要想继续在发展和竞 争中获得主动和优势地位，需要深入市场挖掘，实现跨区发展、创新经营理念，推动业务转 型、加强内部控制、完善运行管理、深化风险意识，加大风险防控、强化渠道优势，促进可 持续发展以及完善人员管理，提高服务质量，只有这样才不至于被竞争所淘汰，才能在激烈 的竞争中站稳脚根。 关键词：商业银行；徽商银行；竞争力；因子分析 III Abstract As China's economic development has gradually entered a new normal, a new model has been opened up in China's economic field. With the sustained and rapid development of Internet finance, the phenomenon of financial disintermediation has intensified, and the banking industry has bid farewell to the golden period of development, the traditional business model has been seriously impacted. Banks are the main working means and important macro-control tools for the modern economy, the key to the currency circulation and the basis for the implementation of macro-control policies. On the one hand, by increasing the conversion rate of savings to investment, the number of production factors can be improved; on the other hand, by promoting the optimal allocation of capital, the productivity of production factors can be improved and the growth of national economy can be promoted, so the banking industry has become an important part of national economy. In recent years, city commercial Banks have developed rapidly and their market share has increased, but there are still serious deficiencies. Therefore, how to objectively evaluate and improve its comprehensive competitiveness in a targeted way, so as to maintain its long-term development trend and take a place in the financial institutions of the same trade, is an important topic that city commercial Banks must study in order to seek new development and new solutions. This paper mainly takes Huishang bank as the research object. Firstly, it briefly introduces the research background, significance, domestic and foreign research status, research contents and methods of this paper. Secondly, it summarizes the relevant concepts and theoretical basis of this paper. Analyze the development status of the company, understand the development situation and industry environment of huishang bank, and use SWOT analysis to analyze the current advantages, disadvantages, opportunities and problems of huishang bank. Then USES the factor analysis method, an empirical analysis of the competitiveness of the Anhui merchants bank, the choice of comprehensive consideration of qualitative and quantitative measurement indicators, thus creating a competitiveness evaluation index system, suitable for the development of anhui merchants bank characteristics using financial indicators data in 2018, with 27, including anhui merchants bank, commercial bank as the research object, the extraction factor and carries on the computation, the anhui merchants bank competitiveness evaluation results, anhui merchants bank in excellent performance on the indicators, but if you want to continue to gain the initiative in the development and competition and the dominant position, need to dig deep market, Realize interregional development, innovative business ideas, promote business transformation and strengthening the internal control, improve the operation management, deepen the risk awareness, strengthen risk control and prevention, strengthen channel advantages, promote the sustainable development and IV improve the personnel management, improve service quality, only in this way is not eliminated by the competition, can stand firm footing in the fierce competition. Keywords: commercial bank; Huishang Bank; competitiveness; factor analysis V 目录 Abstract ................ III 第1章 绪论 ............ 1 1.1 研究背景 ..................... 1 1.2 研究目的与意义 ............ 2 1.2.1 研究目的 ............. 2 1.2.2 研究意义 ............. 2 1.3 国内外研究现状 ............ 3 1.3.1 国外研究现状 ....... 3 1.3.2 国内研究现状 ....... 3 1.3.3 文献述评 ............. 4 1.4 研究内容和方法 ............ 5 1.4.1 结构安排 ............. 5 1.4.2 研究方法 ............. 5 第2章 徽商银行的市场竞争环境分析——基于PEST-SWOT框架 ........... 7 2.1 徽商银行宏观环境的PEST分析 ..................... 7 2.1.1政治要素 .............. 7 2.1.2经济要素 .............. 7 2.1.3社会要素 .............. 8 2.1.4技术因素 .............. 8 2.2 徽商银行发展的SWOT分析 ............................ 9 2.2.1 优势 .................... 9 2.2.2 劣势 .................... 9 2.2.3 机遇 .................. 10 2.2.4 挑战 .................. 11 第3章 网络化环境下徽商银行的发展现状分析 ........... 13 3.1互联网金融对徽商银行业务的影响 ................ 13 3.1.1对资产业务的影响 .............................. 13 3.1.2对负债类业务的影响 ........................... 13 3.1.3对中间业务的影响 .............................. 13 3.1.4完善电子银行服务系统 ....................... 14 3.1.5加强与互联网金融的互惠发展 .............. 14 3.2 徽商银行的业务规模 ... 14 3.2.1资产情况 ............ 14 3.2.2公司业务经营情况 .............................. 15 3.2.3零售业务经营情况 .............................. 15 3.2.4个人移动金融业务经营情况 ................. 16 3.2.5盈利情况 ............ 17 3.3徽商银行组织结构 ....... 17 3.4 徽商银行人力资源 ...... 18 第4章 城市商业银行竞争力的评价体系构建 ............... 21 4.1 城市商业银行竞争力的评价指标选取 ........... 21 4.1.1现实竞争力 ......... 21 4.1.2潜在竞争力 ......... 21 4.2城市商业银行竞争力的评价方法 ................... 22 4.2.1因子分析法的基本思路 ....................... 22 VI 4.2.2因子分析法的数学原理 ....................... 23 4.2.3因子分析法的分析步骤 ....................... 24 4.3城市商业银行竞争力的评价数据 ................... 25 第5章 徽商银行竞争力的因子分析及商业银行比较 ... 26 5.1 因子分析 ................... 26 5.2 因子的提取与计算 ...... 27 5.2.1因子变量的提取 .. 27 5.2.2对提取的公共因子命名 ....................... 27 5.2.3对因子进行评分 .. 29 5.3 城市商业银行竞争力的比较分析 .................. 32 5.3.1规模和结构因子比较分析 .................... 32 5.3.2健康发展因子比较分析 ....................... 32 5.3.3集约因子比较分析 .............................. 32 5.3.4成长因子比较分析 .............................. 33 5.3.5盈利能力因子比较分析 ....................... 33 5.3.6安全基础因子比较分析 ....................... 33 5.4 徽商银行竞争力的问题分析 ........................ 34 5.4.1经营区域受限，不利于发展 ................. 34 5.4.2 业务结构单一化，创新发展能力差 ...... 34 5.4.3 风险防范意识不足 ............................. 35 5.4.4 人才队伍不健全，培养机制不完善 ...... 35 第6章 提升徽商银行竞争力的政策建议 ....................... 36 6.1 深入挖掘市场，实现跨区发展，拓展有效客户 ............................. 36 6.2树立存款立行理念，提升存款占比，不断扩大市场规模 ................. 38 6.3拓展中收渠道，抢抓资产投放，不断增加中收占比 ....................... 39 6.4深