在 2008 年，国开行经历了商业化改革，就资产规模来说，已成为我
国第五大商业银行

论文以国开行浙江省分行为研究对象，通过与浙江省域五家国有
商业银行对比分析，从商业银行的角度来评价国开行浙江省分行的竞
争力。首先，本文根据科学性、系统性、层次性、动态性和可操作性
五原则，构建银行竞争力评价指标体系，然后运用综合指数法对浙江
省五大国有商业银行和国开行进行综合评价和排序。最后，运用 SWOT
分析法来分析国开银行浙江省分行目前所处的形势，结合实证结果提
出提高其竞争力的建议和对策

通过实证结果表明，与浙江省五家国有商业银行相比，国开行浙
江省分行的发展能力比较突出，流动性和安全性较好，但盈利性一般，
而且二级分类指标排名的差异较大，呈两极分化的态势。这种现象表
明国开行浙江省分行长期以来从事的业务领域和五家国有银行有较
大的差别。通过 SWOT 分析表明，国开行浙江分行的优势包括国家主
权债信、开发性金融、金融“全牌照”等；劣势包括业务边界不清晰、
资金来源不合理、盈利能力不足等；威胁有同业竞争激烈、市场受挤
压、金融环境日益变化等；面临着浙江“十三五”发展的战略等机遇，
需要通过开拓创新业务、开辟新的融资渠道、推进将本增效和构建风
险控制模式等措施，解决国开行浙江省分行目前存在的问题，从而有
效地提高其竞争力

浙江工业大学硕士学位论文 国家开发银行浙江省分行竞争力分析II
关键词：国家开发银行，浙江分行，竞争力，实证分析，SWOT
分析
论文类型：应用专题研究
浙江工业大学硕士学位论文 国家开发银行浙江省分行竞争力分析III
ABSTRACT
The establishment of the National Development Bank is to enhance national strength
and improve people&39;s livelihood as a mission to regulate the economic structure for
the purpose of. All along, conscientiously implement the national regulation and
control policy, to play the financial function, and promote the optimization and
upgrading of the national economic structure, and play an important role in the
national economic stability. In 2008, China has experienced a commercial reform, the
scale of assets, has become China&39;s fifth largest commercial banks.
In this paper, the author makes a comparative analysis of the five state-owned
commercial banks in Zhejiang province from the perspective of the commercial banks
to evaluate the competitiveness of the Zhejiang branch of the Zhejiang branch. First of
all, based on the scientific, systematic, hierarchical, dynamic and operability of the
five principles of constructing the evaluation index system of the competitiveness of
the bank, and then to carry out a comprehensive evaluation method of Zhejiang
Province, the five major state-owned commercial banks and CDB and ranking by the
comprehensive index. Finally, using the SWOT analysis method to analyze the
current situation of Zhejiang branch of CDB, and put forward suggestions and
Countermeasures to improve its competitiveness.
The empirical results show that, compared with Zhejiang Province, the five
state-owned commercial banks, CDB Zhejiang branch development ability is more
outstanding, liquidity and security is better, but profitability, and the difference is
ranked the two classification index is larger, the trend of polarization. This
phenomenon shows that China&39;s Zhejiang branch has long been engaged in the field
of business and the five state-owned banks have a greater difference. SWOT analysis
showed that the CDB Zhejiang branch of advantages including sovereign debt credit,
development finance, financial full license etc.; the disadvantages include business
boundaries are not clear, the source of funds is not reasonable, lack of profitability;
the threat of industry competitive, market by extrusion, the financial environment is
changing; facing Zhejiang 13th Five-Year development opportunity, through
innovative business, opening up new financing channels, to promote the efficiency
and construct risk control mode and other measures to solve the CDB branch in
Zhejiang Province, the existing problems, so as to effectively improve its
competitiveness.
KEY WORDS: China Development Bank；Competitiveness；Commercial Banks；
Analytic Hierarchy Process；Entropy Method；
TYPE OF DISSERTATION / THESIS: Application Fundamentals
浙江工业大学硕士学位论文 国家开发银行浙江省分行竞争力分析浙江工业大学硕士学位论文 国家开发银行浙江省分行竞争力分析
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目 录
1 绪论..........1
1.1 研究背景和意义 1
1.2 国内关于国开行竞争力研究现状........ 2
1.3 研究的方法与内容........ 3
1.3.1 研究方法.....3
1.3.3 研究内容.....4
1.4 创新和不足........ 5
1.4.1 本文的创新之处.....5
1.4.2 本文的不足之处.....5
2 相关理论和文献综述.....7
2.1 竞争力理论概述 7
2.2 银行竞争力理论概述.... 7
2.3 文献综述 7
2.3.1 国外研究.....8
2.3.2 国内研究.....8
2.3.3 国开行的竞争力研究.........9
3 银行竞争力研究分析框架.......11
3.1 评价指标选择原则...... 11
3.2 银行竞争力评价指标的选择.. 12
3.2.1 反映安全性指标...12
3.2.2 反映盈利性指标...13
3.2.3 反映流动性指标...14
3.2.4 反映发展能力指标...........14
3.3 研究对象、评价期间和数据来源...... 16
3.3.1 研究对象...16
3.3.2 评价期间...16
3.3.3 数据来源...16
3.4 综合评价分析方法...... 16
3.4.1 综合指数法...........16
3.4.2 指标权重设计.......17
4 国家开发银行浙江省分行竞争力实证分析..19浙江工业大学硕士学位论文 国家开发银行浙江省分行竞争力分析
VI
4.1 安全性分析...... 19
4.1.1 不良贷款率.......
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