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1、博士学位论文基于金融伦理的商业银行核心竞争力研究A Research on the Core Competitiveness of Commercial Banks Based on Financial EthicsbyQING DingwenM.S.(Wuhan University)1997A dissertation submitted in partial satisfaction of theRequirements for the degree ofDoctor of ManagementinBusiness Managementin theGraduate SchoolofHun
2、an UniversitySupervisorProfessor XIE ChiAugust, 2010博士学位论文湖 南 大 学学位论文原创性声明本人郑重声明：所呈交的论文是本人在导师的指导下独立进行研究所取得的研究成果。除了文中特别加以标注引用的内容外，本论文不包含任何其他个人或集体已经发表或撰写的成果作品。对本文的研究做出重要贡献的个人和集体，均已在文中以明确方式标明。本人完全意识到本声明的法律后果由本人承担。作者签名：日期： 年 月 日学位论文版权使用授权书本学位论文作者完全了解学校有关保留、使用学位论文的规定，同意学校保留并向国家有关部门或机构送交论文的复印件和电子版，允许论文被查阅
3、和借阅。本人授权湖南大学可以将本学位论文的全部或部分内容编入有关数据库进行检索，可以采用影印、缩印或扫描等复制手段保存和汇编本学位论文。本学位论文属于1、保密，在 年解密后适用本授权书。2、不保密。（请在以上相应方框内打“”）作者签名：日期： 年 月 日导师签名：日期： 年 月 日摘 要自2007年美国次贷危机爆发以来，越来越多的专家和学者意识到，商业银行的伦理缺失问题已经严重影响到其自身信誉甚至整个金融体系的稳定与发展。与此同时，在经济全球化的背景下，日趋激烈的市场竞争使商业银行的生存和发展面临越来越严峻的挑战，从而迫使商业银行只有不断地创造、提升和保护自己的核心竞争力，才能持续生存和发展。
4、而此时的商业银行竞争已逐步从有形的金融产品的竞争逐渐转向无形的信誉和形象的竞争，要增强商业银行的核心竞争力，已经不可能单纯依靠技术和资金等“硬件资源”，还要发挥其它各种“软件资源”的作用，而金融伦理就是一种非常重要的“软件资源”。本文选取事关国民经济和社会发展而又容易被人们忽视的金融伦理问题作为研究对象，将金融伦理与商业银行核心竞争力结合起来进行研究，综合运用实证研究、逻辑分析、数理分析等方法，构建金融伦理评价指标体系和引入金融伦理的商业银行核心竞争力评价指标体系这两大体系，并从商业银行员工的角度，运用数理分析软件对金融伦理、商业银行核心竞争力及其相互关系的认同度进行实证分析。首先，本文对金融
5、伦理与商业银行核心竞争力的关系进行理论研究。阐述金融伦理的起源、发展、内涵、特征及运行机制等，探寻商业银行核心竞争力理论的起源与发展、提升路径选择、模型评价等，分析金融伦理提升商业银行核心竞争力的嵌入机制、屏障机制与认同机制。其次，本文构建针对金融主体的金融伦理评价模型。通过构建金融伦理评价指标体系，应用模糊综合评价算法，对金融伦理进行全面、系统、综合的评价。再次，本文对金融伦理与商业银行核心竞争力及其认同机制进行实证研究。借助商业银行办公自动化系统，通过实地走访等方式发放大量的调查问卷，对商业银行金融伦理、商业银行核心竞争力及其相互关系进行抽样调查，并综合运用SPSS等数理分析软件对调查数据
6、进行实证分析，探索金融伦理能够提升商业银行核心竞争力的现实证据。最后，本文引入金融伦理的商业银行核心竞争力指标体系。通过采用Delphi专家评价法和多层次分析法，以商业银行核心竞争力的主要特征为依据，以其构成要素为具体内容，构建评价指标体系，测算评价指标权重，对长沙银行的核心竞争力进行评价测试，取得较好的评价效果。本文的研究有助于学术界与实务部门深入了解金融伦理提升商业银行核心竞争力的内在机制与深刻内涵。通过引入金融伦理的商业银行核心竞争力评价体系，从定量的角度对其自身进行评价，及时预警，并通过重要指标的路径选择改进自身金融伦理状况进而提升核心竞争力。同时，就各类型商业银行员工对金融伦理、商业
7、银行核心竞争力重要性及其提升机制认同的研究，有利于金融主管部门与实务部门了解商业银行对金融伦理认同的现状与不足，从而为改进金融伦理状况进而提升核心竞争力提供一定的参考。关键词：金融伦理；商业银行核心竞争力；评价体系；层次分析法；模糊综合评价AbstractSince 2007, the outbreak of the U.S. sub-prime mortgage crisis, a growing number of experts and scholars realized that the commercial banks lack the ethical problem has ser
8、iously affected the credibility of its own and even the entire financial system stability and development. Meanwhile, in the context of economic globalization, the increasingly fierce market competition makes the survival and development of commercial banks are increasingly facing tough challenges,
9、thus forcing banks to just keep upgrading, protect and create their own core competitiveness in order to sustainable survival and development. Of commercial banks at a time when competition has gradually from the visible to gradually shift the competitive financial products, reputation and image of
10、the invisible competition, to enhance the core competitiveness of commercial banks have been impossible to rely solely on technical and financial and other “hardware resources”, but also to play a variety of other “software resources” role, while the financial ethics is a very important “software re
11、sources”.This paper selected a bearing on national economic and social development, but easily overlooked financial ethical issues as research object, the financial ethics and core competitiveness of commercial banks to combine the study of the integrated use of empirical research, logical analysis,
12、 mathematical analysis and other methods construction of a financial ethics evaluation index system and the introduction of commercial banks in financial ethics evaluation index system of the core competitiveness of these two systems, using the mathematical analysis software for financial ethics, th
13、e core competitiveness of commercial banks and their mutual relations recognition to be carried out by bank employees.First of all, the paper reserched on the theoretical of financial ethics, the core competitiveness and their relationship, explained the origin of financial ethics, development, cont
14、ent, characteristics and operation mechanism, to explore the core competitiveness of commercial banks in the theory of the origin and development, and enhance the path selection, model evaluation, and analysis of financial ethics to enhance the core competitiveness of commercial banks in the embedde
15、d system, barriers mechanism and recognition mechanism. Secondly, the paper designed an evaluation model of financial ethics. By building the financial ethics evaluation index system, the application of fuzzy comprehensive evaluation method, a comprehensive financial ethics, systematic and comprehen
16、sive evaluation. Thirdly, the paper researched on the financial ethics and the core competitiveness of commercial banks and their recognition mechanisms. With commercial banking office automation system, through such means as issuing a large number of field visits to the questionnaire on commercial banking and financia
