工商银行深圳区个人贷款贷后管理研究.docx

摘要 采用因子分析法和层次分析法分别确定实际竞争力和潜在竞争力得分。建立了商业银行竞争力模型，并对国内上市商业银行进行了评估。评估结果显示，中国银行竞争力最强，其次是上海浦东发展银行，华夏银行和深圳发展银行。该模型的第一个特点是在指标选取上综合考虑反映银行实际竞争力的盈利因素，业务发展水平因素和流动性因素，也是反映潜在竞争力的重要因素。公司治理结构，业务创新考虑了系统有效性和财务监督等潜在指标，解决了现有指标体系中无视潜在指标造成的扭曲评估现象。二是从定量和定性两个方面对指标进行分类，解决了以往评估银行竞争力时定性指标和定量指标造成的指标混乱和结果不良的问题。第三，选取的指标数据为相关指标，直接用于无量纲化数据的计算，有效解决评估系统中正负指标交叉影响问题。 面对如此复杂的市场竞争，工行已成为新的焦点。其个人贷款模块的发展也成为一个新课题。今天我们将讨论工行深圳后的个人贷款管理问题。 关键词：工商银行、商业银行、竞争力、层次分析法  Abstract The factor analysis method and the AHP method were used to determine the scores of actual competitiveness and potential competitiveness respectively. A commercial bank competitiveness model was established and a domestic listed commercial bank was evaluated. The evaluation results show that the Bank of China has the strongest competitiveness, followed by Shanghai Pudong Development Bank, Huaxia Bank and Shenzhen Development Bank. The characteristics of this model are as follows: First, in the selection of indicators, comprehensive consideration of profitability factors, business development level factors, and liquidity factors that reflect the bank's actual competitiveness, as well as important factors reflecting potential competitiveness, corporate governance structure, business innovation, The potential indicators such as the effectiveness of the system and financial supervision are taken into account, which resolves the phenomenon of distorted evaluations caused by the disregard of potential indicators in the existing index systems. The second is to classify the indicators from both quantitative and qualitative aspects, which solves the problem of confusion of indicators and poor results caused by qualitative and quantitative indicators mixed in the past when evaluating bank competitiveness. Third, the selected indicator data are relative indicators, which are directly used in the calculation of non-dimensionalized data, effectively solving the cross-impact problem of positive and negative indicators in an evaluation system. With such a