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| 书 名： | 中国商业银行竞争力报告（2010） | ||||
| 英 文 名： | ANNUAL REPORT ON THE COMPETITIVENESS OF CHINA’S COMMERCIAL BANKS （2010） | ||||
| 作 者： | 王松奇 刘煜辉 欧明刚 | ||||
| I S B N： | 978-7-5097-1966-4 | ||||
| 丛 书 名： | 金融蓝皮书 订阅 | ||||
| 关 键 词： | 商业银行 市场竞争 研究报告 中国 2010 | ||||
| 出版日期： | 2011-01-01 | ||||
中文摘要
2009年，全国性商业银行的核心竞争力也有不俗的表现。发展战略、国际化、综合化和差异化得到强化，公司治理也得到不断完善，风险管理、信息技术和人力资源得到全面重视，产品创新能力和服务水平有了进一步提升。其中位列前五名的是中国工商银行、交通银行、招商银行、中国建设银行和中国银行。
报告同时也提出和分析了全国性商业银行的一些问题，其一是由于执行反危机的降息政策，各银行尽管采取“以量补价”的措施，但利润增速还是出现了下滑的趋势；其二是资本补充压力加大；其三是政府融资平台贷款和住房贷款的激增，为各银行埋下风险隐患。
在城市商业银行竞争力评价部分，报告对城商行财务状况、战略发展的新动向进行了分析，并对一些优质城商行的经营模式进行了探讨。从财务指标看，城商行在资本水平、资产质量、赢利能力以及流动性方面表现出较全国性商业银行更优的水平。其中，包商银行、杭州银行、南京银行、重庆银行和北京银行在800亿元以上的大型城商行中位列前五，台州银行、洛阳市商业银行、南昌银行、稠州银行和西安商业银行在300亿元～800亿元之间的中型城商行中排名居前，乌海市商业银行、承德市商业银行、莱商银行、日照银行以及张家口商业银行在300亿元以下的小型城商行中名列前茅。2009年，由于银监会为城商行跨区域经营松绑，城商行跨区经营加速，且出现借道村镇银行实现跨区域经营的新趋势。2009年城商行的赢利模式的差异化趋于明显，特别是部分大型城商行的中间业务和债券投资业务的比重大幅增加。此外，考虑到《2009年中国商业银行竞争力评价报告》尚未公开出版，本书将其中全国性商业银行财务竞争力、核心竞争力以及城商行综合竞争力三部分内容收入本书中。
文章列表
2009年的中国银行业遭遇了前所未有的金融危机的冲击，其间为刺激经济所产生的天量信贷既对我国保增长、扩内需起到了重要作用，同时也存在着风险隐患。在本部分，以总报告形式通过对2009年中国银行业的整体情况进行分析，探析在危机中银行业整体的高信贷增长对其资本、利润以及监管标准的影响，后危机时代银行业应如何有效规避风险，以及如何抓住此次危机寻求转型。
,AbstractEN:In 2009，China’s banking sector experienced an unprecedented financial crisis，whose amount of credit played an important role in expanding domestic demand，and guarantee growth for our country in the period of days，while this led to potential risks. In this section，we will analyse on the total China’s banking sector on 2009，including the impact of high credit growth on capital，profits，and regulatory standard of the China’s banking industry. We analyse on how to avoid risks and seize the oppoutunity of transition for China’s banking industry during post-financial-crisis era.
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,AbstractEN:This part mainly analyse on capital position，asset quality，profitability and liquidity of national commercial banks. During the financial crisis，China’s banking play an important role on stimulating economy. At the same time，with the end of 2009，the market share and the indicators of commercial banks have also changed，such as the market share of the five major banks continued to reduce，the market share of small and medium banks is rising. The high risk credit should be not ignored.
,KeyWords:59903,60876,171323,EKeyWords:58961,38337,171324,SubjectWords:208075,LiteratureId:2830889,Fileref:null,OrderFlag:0,IsLeaf:N,PubDate:null,FindDate:null,IssueDate:null,DocType:null,ProductSeries:null,Doi:null,InstanceID:0,MinNodeSearch:Y,XmlID:b1201405010030048_000_002,Prop1:null,Prop2:null,Prop3:null,prop4:null,AddUser:fanlanlan,AddTime:2014-09-30 10:03:22.0,ModifyUser:Admin,ModifyTime:2023-09-26 19:06:55.0,HitCount:30,ShowType:putong,LogoID:0,PdfID:14765366,DownCount:11,AuthorInfos:{"邓鑫":{"Address":"","Affiliation":"","Email":"","Role":"执笔人","Photo":"","Blurb":""}},BookPublishDate:2011-01-01 00:00:00.0,SearchTitle:全国性商业银行财务分析报告（2009～2010年）,ISBN:978-7-5097-1966-4,BookTitle:中国商业银行竞争力报告（2010）,BookStatus:7,AllowDownload:Y,BookVersionNum:null,researchorg:null,CopyRightDate:null,ExcellentPeriod:null,PrizeLevel:null,IsExcellence:null,ContentClass:null,IsDisabled:N,SearchTitle_2:全国性商业银行财务分析报告（2009～2010年）,_RowNo:7This section analyse on the core competitiveness of the national commercial banks including development strategy，corporate governance，information technology，human resources and market influence，etc. In 2009，the national commercial banks more emphasis on development strategy and internationalization. Integration and differentiation of commercial banks have a prominent performance，which continue to improve corporate governance，enhance product innovation and service，framework，standards and technology of the risk control has been improved，information technology get importantance，the job market should maintain a sustained competitive.
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,AbstractEN:This part analyse the financial situation and the strategic development of new trends of city commercial banks，and the number of high-quality business model city of city commercial banks. In recent years，the rapid development of city commercial banks，especially in 2009，the regulatory authorities is reduceing the requirements of cross-regional business，whose financial indicators also continued to improve. After September 2009，the risk of city commercial banks whose have a volumn of credit should not be ignored.
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,AbstractEN:This section analyse on the model of Banshagn bank，and then compare Banshagn bank with other types of high-quality firm’s profit model，then turn the other large commercial banks to compare profit model，overall analyse on profit model，living conditions and the possible amount of risk to benefit the future sustainable development of city commercial banks.
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,AbstractEN:Both banking industry and supervision authority are summarize their experiences and lessons while counteract the crisis，and the International financial market recovers slowly from the crisis in 2009 and 2010. In this case，on one hand，foreign banks in China will further improve their operation corporate governance，profitability and risk management. On the other hand，they should actively respond new requirements of financial supervision tendency to create more favorable environment.
,KeyWords:66954,171331,70894,EKeyWords:171332,171333,57608,SubjectWords:208087,LiteratureId:2831286,Fileref:null,OrderFlag:0,IsLeaf:N,PubDate:null,FindDate:null,IssueDate:null,DocType:null,ProductSeries:null,Doi:null,InstanceID:0,MinNodeSearch:Y,XmlID:b1201405010030048_000_007,Prop1:null,Prop2:null,Prop3:null,prop4:null,AddUser:fanlanlan,AddTime:2014-09-30 10:03:23.0,ModifyUser:Admin,ModifyTime:2023-09-26 19:06:55.0,HitCount:44,ShowType:putong,LogoID:0,PdfID:14765371,DownCount:13,AuthorInfos:{"刘丽娜":{"Address":"","Affiliation":"","Email":"","Role":"执笔人","Photo":"","Blurb":""},"蔡真":{"Address":"","Affiliation":"","Email":"","Role":"执笔人","Photo":"","Blurb":""},"刘明笑":{"Address":"","Affiliation":"","Email":"","Role":"执笔人","Photo":"","Blurb":""}},BookPublishDate:2011-01-01 00:00:00.0,SearchTitle:在华外资银行发展报告（2009～2010年）,ISBN:978-7-5097-1966-4,BookTitle:中国商业银行竞争力报告（2010）,BookStatus:7,AllowDownload:Y,BookVersionNum:null,researchorg:null,CopyRightDate:null,ExcellentPeriod:null,PrizeLevel:null,IsExcellence:null,ContentClass:null,IsDisabled:N,SearchTitle_2:在华外资银行发展报告（2009～2010年）,_RowNo:12本部分在回顾2009～2010年中国农村金融发展的整体状况后，重点介绍了农村合作金融机构、新型农村合作金融机构的发展状况，在展示农村金融体系的完善和农村金融机构在经营方面出现的可喜变化的同时，也分析了存在的主要问题，并提出了自己的看法。
,AbstractEN:Firstly，the author reviewed the overall state of rural financial development of China in 2009-2010，especially introduced the changes in rural cooperative financial institutions and the new rural cooperative financial institutions. The author not only showed the gratifying changes in the operating and the system’s improving，but also analyzed the main problems and suggested many recommendations.
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,AbstractEN:This paper reviews and summarizes the developments and experiences of China Development Bank （CDB） since its establishment，analyzes its issues by the way of case analysis，and provides an in-depth analysis and evaluation of the potential impact caused by The reform of CDB.
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,AbstractEN:This report evaluates the development of Agricultural Development Bank of China （ADBC） in 2009-2010 from two aspects. Non-financial analysis evaluates ADBC’s function and reform. Financial analysis includes asset condition，capital quality，profitability and flowability.
,KeyWords:171339,171340,38342,EKeyWords:171341,171342,171343,SubjectWords:208091,LiteratureId:2831405,Fileref:null,OrderFlag:0,IsLeaf:N,PubDate:null,FindDate:null,IssueDate:null,DocType:null,ProductSeries:null,Doi:null,InstanceID:0,MinNodeSearch:Y,XmlID:b1201405010030048_000_010,Prop1:null,Prop2:null,Prop3:null,prop4:null,AddUser:fanlanlan,AddTime:2014-09-30 10:03:24.0,ModifyUser:Admin,ModifyTime:2023-09-26 19:06:55.0,HitCount:38,ShowType:putong,LogoID:0,PdfID:14765376,DownCount:8,AuthorInfos:{"洪凯":{"Address":"","Affiliation":"","Email":"","Role":"执笔人","Photo":"","Blurb":""}},BookPublishDate:2011-01-01 00:00:00.0,SearchTitle:2009～2010年中国农业发展银行发展报告,ISBN:978-7-5097-1966-4,BookTitle:中国商业银行竞争力报告（2010）,BookStatus:7,AllowDownload:Y,BookVersionNum:null,researchorg:null,CopyRightDate:null,ExcellentPeriod:第三届,PrizeLevel:二等奖,IsExcellence:Y,ContentClass:null,IsDisabled:N,SearchTitle_2:2009～2010年中国农业发展银行发展报告,_RowNo:15本部分在介绍中国进出口银行的成立背景、职能及特点后，分析了进出口银行2009年度的经营状况，而后阐述了该行在经营过程中直面的各种机遇与挑战并提出了诸多政策建议。
,AbstractEN:Firstly，the author describes the background，functions and characteristics about the China Eximbank，then analyze the operating conditions of China Eximbank in 2009. Last，the author suggest many policy recommendations about the business opportunities and challenges in the process.
,KeyWords:66964,66965,EKeyWords:171344,99506,SubjectWords:208092,LiteratureId:2831447,Fileref:null,OrderFlag:0,IsLeaf:N,PubDate:null,FindDate:null,IssueDate:null,DocType:null,ProductSeries:null,Doi:null,InstanceID:0,MinNodeSearch:Y,XmlID:b1201405010030048_000_011,Prop1:null,Prop2:null,Prop3:null,prop4:null,AddUser:fanlanlan,AddTime:2014-09-30 10:03:24.0,ModifyUser:Admin,ModifyTime:2023-09-26 19:06:55.0,HitCount:22,ShowType:putong,LogoID:0,PdfID:14765377,DownCount:8,AuthorInfos:{"王晔":{"Address":"","Affiliation":"","Email":"","Role":"执笔人","Photo":"","Blurb":""}},BookPublishDate:2011-01-01 00:00:00.0,SearchTitle:2009年中国进出口银行发展分析,ISBN:978-7-5097-1966-4,BookTitle:中国商业银行竞争力报告（2010）,BookStatus:7,AllowDownload:Y,BookVersionNum:null,researchorg:null,CopyRightDate:null,ExcellentPeriod:null,PrizeLevel:null,IsExcellence:null,ContentClass:null,IsDisabled:N,SearchTitle_2:2009年中国进出口银行发展分析,_RowNo:16本文在明确中国邮政储蓄银行向商业银行转型发展目标基础上，对中国邮政储蓄银行在2009年的发展情况和取得的成绩进行了简要回顾和分析。
,AbstractEN:China Postal Savings Bank （CNPSB） is being transformed into a commercial bank.This article will introduce and analyze the developments and achievements of CNPSB in 2009.
,KeyWords:66966,172103,30227,EKeyWords:171346,172104,30227,SubjectWords:208094,LiteratureId:2831472,Fileref:null,OrderFlag:0,IsLeaf:N,PubDate:null,FindDate:null,IssueDate:null,DocType:null,ProductSeries:null,Doi:null,InstanceID:0,MinNodeSearch:Y,XmlID:b1201405010030048_000_012,Prop1:null,Prop2:null,Prop3:null,prop4:null,AddUser:fanlanlan,AddTime:2014-09-30 10:03:24.0,ModifyUser:Admin,ModifyTime:2023-09-26 19:06:55.0,HitCount:47,ShowType:putong,LogoID:0,PdfID:14765378,DownCount:8,AuthorInfos:{"党均章":{"Address":"","Affiliation":"","Email":"","Role":"执笔人","Photo":"","Blurb":""}},BookPublishDate:2011-01-01 00:00:00.0,SearchTitle:中国邮政储蓄银行2009年经营发展回顾,ISBN:978-7-5097-1966-4,BookTitle:中国商业银行竞争力报告（2010）,BookStatus:7,AllowDownload:Y,BookVersionNum:null,researchorg:null,CopyRightDate:null,ExcellentPeriod:null,PrizeLevel:null,IsExcellence:null,ContentClass:null,IsDisabled:N,SearchTitle_2:中国邮政储蓄银行2009年经营发展回顾,_RowNo:172008年的金融危机对全球经济发展造成了严重冲击，在主要国家实体经济发展陷入困境后，我国的实体经济发展也被拖累，出现了明显下滑，这进一步加剧了我国经济运行中的诸多深层次矛盾，并进一步增大了国内银行业在风险管理、经营运作与赢利等方面的压力，如何积极、主动应对金融危机带来的挑战和机遇成为国内银行业进一步稳健发展的关键。本报告在全面分析金融危机后我国银行业发展现状的基础上，深入剖析当前银行业面对的重要机遇与挑战，为后危机时代中国银行业的稳健发展提供参考与启示。
,AbstractEN:The outbreak of the financial crisis in 2008 caused serious impact on the global economic development. After the development of major countries’ real economy in trouble，China’s real economy was dragged down and declined significantly，which exacerbate the deep-seated contradictions in economic operation further，and increase the pressure of the domestic banks in the areas of risk management，operations management and profitability .How to take the initiative in response to the challenges and opportunities caused by the financial crisis becomes the the key of the domestic banks’ healthy development in future. Based on the comprehensive analysis of the current situation of domestic banks after the the financial crisis，this report will analyze the most important opportunities and challenges which the banks are facing and provides some suggestions and inspiration for the stable development of China’s banking in the post-crisis era.
,KeyWords:7715,27230,171348,171349,EKeyWords:33440,171350,171351,171352,SubjectWords:208095,LiteratureId:2831479,Fileref:null,OrderFlag:0,IsLeaf:N,PubDate:null,FindDate:null,IssueDate:null,DocType:null,ProductSeries:null,Doi:null,InstanceID:0,MinNodeSearch:Y,XmlID:b1201405010030048_000_013,Prop1:null,Prop2:null,Prop3:null,prop4:null,AddUser:fanlanlan,AddTime:2014-09-30 10:03:24.0,ModifyUser:Admin,ModifyTime:2023-09-26 19:06:55.0,HitCount:35,ShowType:putong,LogoID:0,PdfID:14765379,DownCount:10,AuthorInfos:{"王松奇":{"Address":"","Affiliation":"","Email":"","Role":"执笔人","Photo":"","Blurb":""},"刘煜辉":{"Address":"","Affiliation":"","Email":"","Role":"执笔人","Photo":"","Blurb":""},"欧明刚":{"Address":"","Affiliation":"","Email":"","Role":"执笔人","Photo":"","Blurb":""}},BookPublishDate:2011-01-01 00:00:00.0,SearchTitle:2008～2009年中国商业银行竞争力评价总报告,ISBN:978-7-5097-1966-4,BookTitle:中国商业银行竞争力报告（2010）,BookStatus:7,AllowDownload:Y,BookVersionNum:null,researchorg:null,CopyRightDate:null,ExcellentPeriod:null,PrizeLevel:null,IsExcellence:null,ContentClass:null,IsDisabled:N,SearchTitle_2:2008～2009年中国商业银行竞争力评价总报告,_RowNo:18本部分主要对全国性商业银行的资本实力、资产质量、赢利能力和流动性等指标进行综合分析。总体来看，虽然遭遇2008年银行经营风险的较大考验，中国全国性商业银行的竞争能力在财务性指标的表现上依然有明显的改善。发债成为这一时期全国性商业银行补充资本的最主要方式，带动银行资本充足率的较大上升，但中小银行由于规模扩张等造成的资本不足问题依然存在；在信贷投向方面，全国性商业银行加大对国家重点领域信贷投放力度，并注重对行业集中度风险的控制；在遭遇国际金融危机和国内资本市场低迷冲击下，全国性商业银行通过扩大信贷规模和利差、减少管理成本等手段增收减支，中小银行赢利能力优于大型商业银行；对经营成本的有效控制成为本时期全国性商业银行经营管理能力提升的重要体现；银行资产质量在国家政策推动和银行内部努力下有所改善，但仍隐藏着一些潜在的风险。
,AbstractEN:This report provides a comprehensive analysis of national commercial banks in capital strength，asset quality，profitability，liquidity and other indicators. In general，in spite of the risks encountered in 2008 are serious，there is still a significant progress in the financial indicators of competitiveness made by the national commercial banks. Debt issuing becomes the most important way to add capita during this period and drives the bank’s capital adequacy ratio of a larger increase. But the problem of insufficient capital caused by the expansion of size are still serious in the small and medium banks. On the loan delivery，the national commercial banks increase the credits to national efforts in key areas and focus on the risk control in industry concentration. In the event of the international financial crisis and the adverse impact by the the downturn of domestic capital market，the national commercial banks are trying best to expand the size of credit spreads and reduce management costs in order to make more revenue. In general，the profitability of small banks are better than the large commercial banks，and the effective control of operating costs becomes the most important way used by national commercial banks to enhance the management capacity during this period. Besides，the quality of assets is improving by the efforts national policy and banks，but there are still some potential hidden risks the national commercial banks facing.
,KeyWords:171353,59903,66950,55959,EKeyWords:171354,58961,139018,57096,SubjectWords:208075,LiteratureId:2831532,Fileref:null,OrderFlag:0,IsLeaf:N,PubDate:null,FindDate:null,IssueDate:null,DocType:null,ProductSeries:null,Doi:null,InstanceID:0,MinNodeSearch:Y,XmlID:b1201405010030048_000_014,Prop1:null,Prop2:null,Prop3:null,prop4:null,AddUser:fanlanlan,AddTime:2014-09-30 10:03:25.0,ModifyUser:null,ModifyTime:2023-09-26 19:06:55.0,HitCount:7,ShowType:putong,LogoID:0,PdfID:14765381,DownCount:0,AuthorInfos:{"张云峰":{"Address":"","Affiliation":"","Email":"","Role":"执笔人","Photo":"","Blurb":""}},BookPublishDate:2011-01-01 00:00:00.0,SearchTitle:2008～2009年全国性商业银行财务分析报告,ISBN:978-7-5097-1966-4,BookTitle:中国商业银行竞争力报告（2010）,BookStatus:7,AllowDownload:Y,BookVersionNum:null,researchorg:null,CopyRightDate:null,ExcellentPeriod:null,PrizeLevel:null,IsExcellence:null,ContentClass:null,IsDisabled:N,SearchTitle_2:2008～2009年全国性商业银行财务分析报告,_RowNo:19本报告通过对核心竞争力的构成要素——公司治理、发展战略、产品与服务、风险管理、信息技术、人力资源以及市场影响力的深入对比和分析，对各全国性商业银行在相应评价要素中的相对竞争能力进行综合分析，总结了全国性商业银行在这些方面所呈现出的总体特征，指出了中国银行业在提高竞争力方面需要注意的问题。
,AbstractEN:Based on the comparison and analysis of the elements of banks’ core competencies，such as corporate governance，strategy，products and services，risk management，information technology，human resources and market influence，this report analyzes the relative competitive abilities in the corresponding elements of the national commercial banks and sums up the general features in these areas. Finally，this report pointes out the issues of concern in competitiveness improving of the national commercial banks.
,KeyWords:29595,21541,66951,34202,129467,EKeyWords:38109,32540,139019,37123,171355,SubjectWords:208097,LiteratureId:2831612,Fileref:null,OrderFlag:0,IsLeaf:N,PubDate:null,FindDate:null,IssueDate:null,DocType:null,ProductSeries:null,Doi:null,InstanceID:0,MinNodeSearch:Y,XmlID:b1201405010030048_000_015,Prop1:null,Prop2:null,Prop3:null,prop4:null,AddUser:fanlanlan,AddTime:2014-09-30 10:03:25.0,ModifyUser:Admin,ModifyTime:2023-09-26 19:06:55.0,HitCount:41,ShowType:putong,LogoID:0,PdfID:14765382,DownCount:8,AuthorInfos:{"欧明刚":{"Address":"","Affiliation":"","Email":"","Role":"执笔人","Photo":"","Blurb":""},"高广春":{"Address":"","Affiliation":"","Email":"","Role":"执笔人","Photo":"","Blurb":""},"刘明彦":{"Address":"","Affiliation":"","Email":"","Role":"执笔人","Photo":"","Blurb":""}},BookPublishDate:2011-01-01 00:00:00.0,SearchTitle:2008～2009年中国商业银行核心竞争力评价报告,ISBN:978-7-5097-1966-4,BookTitle:中国商业银行竞争力报告（2010）,BookStatus:7,AllowDownload:Y,BookVersionNum:null,researchorg:null,CopyRightDate:null,ExcellentPeriod:null,PrizeLevel:null,IsExcellence:null,ContentClass:null,IsDisabled:N,SearchTitle_2:2008～2009年中国商业银行核心竞争力评价报告,_RowNo:20本部分主要对已上市商业银行的赢利能力、资本实力、资产质量和流动性等进行全面综合分析。总体来看，虽然遭遇国际金融危机的冲击，国内上市银行总体表现有所改善。得益于银行债务筹资手段的使用，上市商业银行资本充足率提高，但伴随业务规模的扩展，风险资产的增加对银行资本有所消耗；得益于银行主营业务的较快增长和经营成本的有效压缩，上市银行赢利能力提升明显；在资产质量改善的同时，由于金融危机对实体经济的影响显现，上市银行面临的行业信贷风险增加，实体经济价格下跌对上市银行资产质量的潜在不良影响加剧，上市银行在经营管理中仍隐藏着一些潜在的风险。
,AbstractEN:This report provides a comprehensive analysis of listed commercial banks in their profitability，capital，asset quality and liquidity. In general，the listed commercial banks stll made a progress in the overall performance. Benefitting from the use of debt financing instruments，listed commercial banks’ capital adequacy ratio increased，but with the expansion of business scale，the increase of risk assets on bank capital has been consumed. Due to the rapid growth of the main business and the compression of operating costs，the profitability of listed banks Made a significant progress. With the improve of asset qualit，the impact of the financial crisis on the real economy appears，and the credit risks which listed banks faced increased. At the same time，the adverse impact on the asset quality of listed banks caused by the decline in real economy prices are increasing and potential risks are still remains.
,KeyWords:59903,171356,66950,34828,EKeyWords:58961,171357,171358,98126,SubjectWords:208098,LiteratureId:2831805,Fileref:null,OrderFlag:0,IsLeaf:N,PubDate:null,FindDate:null,IssueDate:null,DocType:null,ProductSeries:null,Doi:null,InstanceID:0,MinNodeSearch:Y,XmlID:b1201405010030048_000_016,Prop1:null,Prop2:null,Prop3:null,prop4:null,AddUser:fanlanlan,AddTime:2014-09-30 10:03:26.0,ModifyUser:Admin,ModifyTime:2023-09-26 19:06:55.0,HitCount:27,ShowType:putong,LogoID:0,PdfID:14765383,DownCount:11,AuthorInfos:{"刘煜辉":{"Address":"","Affiliation":"","Email":"","Role":"执笔人","Photo":"","Blurb":""},"张榉成":{"Address":"","Affiliation":"","Email":"","Role":"执笔人","Photo":"","Blurb":""}},BookPublishDate:2011-01-01 00:00:00.0,SearchTitle:2008～2009年中国上市银行财务分析报告,ISBN:978-7-5097-1966-4,BookTitle:中国商业银行竞争力报告（2010）,BookStatus:7,AllowDownload:Y,BookVersionNum:null,researchorg:null,CopyRightDate:null,ExcellentPeriod:null,PrizeLevel:null,IsExcellence:null,ContentClass:null,IsDisabled:N,SearchTitle_2:2008～2009年中国上市银行财务分析报告,_RowNo:21本报告对城市商业银行的财务状况和近年的主要发展特点进行了较为深入的分析，认为城市商业银行经过多年发展，虽然遭遇2008年全球性金融危机的不良影响，但在资本充足率、不良资产比率、赢利能力等方面都延续了之前的良好发展势头，综合表现良好。同时，指出了2008年城市商业银行在更名、引资、上市、联合重组、跨区经营、区域合作等方面的新进展以及中小银行在金融危机冲击下面临的困境。最后，对城市商业银行发展的战略目标与未来展望给出了自己的见解。
,AbstractEN:This report analyzes the financial position and main development characteristics of city commercial banks in recent years deeply. It concludes that，in spite of the negative impact of the global financial crisis in 2008，city commercial banks still continue the good performance in the capital adequacy ratio，non-performing assets ratio and profitability after these years of development. Besides，the report points out the progress of city commercial banks in these fields，so as rename，investment-attaracting，listing，restructuring and ross-boundary management，and sums up the difficulties that city commercial banks are facing.Finally，this report provides some suggestions for the development strategy and vision of city commercial banks in future.
,KeyWords:38338,34694,35123,7499,EKeyWords:161891,115563,33117,171359,SubjectWords:208099,LiteratureId:2831881,Fileref:null,OrderFlag:0,IsLeaf:N,PubDate:null,FindDate:null,IssueDate:null,DocType:null,ProductSeries:null,Doi:null,InstanceID:0,MinNodeSearch:Y,XmlID:b1201405010030048_000_017,Prop1:null,Prop2:null,Prop3:null,prop4:null,AddUser:fanlanlan,AddTime:2014-09-30 10:03:26.0,ModifyUser:Admin,ModifyTime:2023-09-26 19:06:55.0,HitCount:29,ShowType:putong,LogoID:0,PdfID:14765384,DownCount:10,AuthorInfos:{"刘煜辉":{"Address":"","Affiliation":"","Email":"","Role":"执笔人","Photo":"","Blurb":""},"毛明辉":{"Address":"","Affiliation":"","Email":"","Role":"执笔人","Photo":"","Blurb":""}},BookPublishDate:2011-01-01 00:00:00.0,SearchTitle:2008～2009年城市商业银行竞争力评价报告,ISBN:978-7-5097-1966-4,BookTitle:中国商业银行竞争力报告（2010）,BookStatus:7,AllowDownload:Y,BookVersionNum:null,researchorg:null,CopyRightDate:null,ExcellentPeriod:null,PrizeLevel:null,IsExcellence:null,ContentClass:null,IsDisabled:N,SearchTitle_2:2008～2009年城市商业银行竞争力评价报告,_RowNo:22
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