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基于因子分析的我国地方性商业银行核心竞争力评价——以西安银行为例

Evaluation of the Core Competitiveness of Chinese Local Commercial Banks based on Factor Analysis —Take the Bank of Xi'an as an Example

Progress in Social Sciences / 2025,7(1): 5-11 / 2025-01-20 152 400

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• Authors: 吴佳丽     
• Information:

  西北政法大学经济学院金融学，西安

• Keywords: Local commercial banks; Factor analysis; Core competitiveness evaluation; Bank of Xi’ an 地方性商业银行；因子分析；核心竞争力评价；西安银行
• Abstract: local commercial Banks as an important part of China’s banking system, for local financial and local, regional economic development plays a vital role, and facing the new generation new the development of new environment, new science and technology for the development of local commercial Banks put forward higher requirements, how to improve the core competitiveness become an important proposition of local commercial Banks. This paper to the Xi’ an bank as the main research object, through the factor analysis of the analysis method, select 15 Banks, including Xi’ an bank evaluation index data, the profitability index, risk resistance ability, solvency index and development ability evaluation of the core competitiveness of Xi’ an bank in profitability, risk resistance ability and development ability are poor, good conclusion on the solvency ability, and combined with the development status of Xi’ an bank summarizes some problems and give some suggestions. 地方性商业银行作为我国银行体系的重要组成部分，对于地方金融和地方、区域经济发展起着至关重要的作用，而面对新世代新环境新科技的发展，对地方性商业银行的发展提出了更高的要求，如何提升自我核心竞争力成为地方性商业银行的重要命题。本文以西安银行为主要研究对象，通过因子分析的分析方法，选取包括西安银行在内的15家银行评价指标数据，采用盈利能力指标、抗风险能力指标、偿债能力指标和发展能力指标对西安银行核心竞争力进行评价，得出西安银行在盈利能力、抗风险能力和发展能力上均欠佳，在偿债能力上有较好的评价。因此，结合西安银行的发展现状总结问题并提出相应的建议。
• DOI: https://doi.org/10.35534/pss.0701002
• Cite: 吴佳丽．基于因子分析的我国地方性商业银行核心竞争力评价——以西安银行为例［J］．社会科学进展，2025，7（1）：5-11.