摘要：随着金融市场的逐步开放，银行业的竞争从原本抢占市场占有率趋向于多元化的发展，如今商业银行更多地是通过发展服务和产品的特色来提升自身的竞争力。本文首先对银行竞争力评判指标的陈述，从银行的盈利能力、风险控制、流动性水平等方面进行评判。而另外的竞争力还包括管理、技术、服务等非数值指标也成为商业银行评判指标。其次，对银行评判指标的简略介绍及对上海银行自身数据与行业其它商业银行的比较——把上海银行放在银行业的大环境中，将大型商业银行的总体平均数据和城市商业银行的总体平均数据与上海银行的数据进行比较，可以看出上海银行在整个行业内的定位；与同类型的竞争者的比较，也可以看出上海银行在某些方面的“软肋”；而自身数据的比较则可以看出上海银行自身哪些方面有提升，而哪些方面止步不前，需要提升。最后，对上海银行所存在的竞争力劣势和问题提出相对应的解决对策——增加资产迅速上市、着重本地特色、以服务客户为主，同时提高内部管理、硬件水平等来弥补劣势。
关键词：上海银行 竞争力 对策
Abstract: As the financial market gradually opening,the competition of the banking is from original taking market share tends to diversification development,commercial Banks now prefer to develop their services and products’ characteristic to enhance their competitiveness.First of all,the article describe the judge standard of the Bank,including the bank's profit ability,risk control,to judge the liquidity leve,etc.Management,technology,services, and the numerical indicators also become commercial bank evaluation indicators.Second,the brief introduction of bank evaluation index and the data of Shanghai bank itself compared to other commercial bank,the bank of Shanghai in the banking environment,the overall average data of large commercial Banks and city commercial bank's overall average data comparison with data of the bank of Shanghai,you can see bank of Shanghai positioning within the industry;Compared with the competitors of the same type, we also can see bank of Shanghai's weakness in some ways;We would find Bank of Shanghai,it’s own,which aspects has promoted,otherwise should be promote than halting since comparing by the data.Finally,according to the problems of competitive disadvantage and problem exists in bank of Shanghai and,we should put forward the solutions such as increasing asset,emphasizing regional features,focus on service customers so that improve the internal management and hardware to recover the disadvantages at the same time.
Key words: Bank of Shanghai competitiveness resources
