摘要如今经济全球化越来越明显，我国银行业面临越来越大的竞争，特别是工农中建四大行的主导位置受到影响。于是，分析工农中建四大行的竞争力，寻找竞争力较低的缘故，同时给出改良的对策，拥有十分重要的现实意义。
本文一开始介绍了研究的背景与意义、国内外的相关研究与研究方法。接着对银行竞争力作出调查分析，并在构建新的银行竞争力定义，为接下来指标体系的选择作出理论根基。然后利用AHP法分析我国工农中建四大行的竞争力，发现国有银行的竞争力都较低。紧接着分析了造成我国工农中建四大行竞争力较低的原因，进而给出提高我国工农中建四大行竞争力的建议。最后给全文的分析结果作出简要总结，并提出文中的不足之处。45321
 [毕业论文关键词]：国有商业银行；竞争力；层次分析法
Abstract
Nowadays, the economic globalization is more and more obvious, China's banking industry faces increasing competition, especially the dominant position of the workers and peasants in the construction of the four lines affected. Therefore, the analysis of competitive ability of Chinese state-owned commercial banks, find out the reasons of the low competitiveness of the countermeasures are given, at the same time improvement, has the extremely important practical significance.
This paper first briefly introduces the research methods of the related research and the background and significance of this research, this paper used at home and abroad. Then made a survey and Analysis on the competitiveness of the bank, and on the basis of the formation of the concept of bank competitiveness index system of their own, for later selection done theory foreshadowing. Then analysis of China's construction industry and agriculture in the four line of the competition by using the AHP method, found that the competitiveness of the state-owned banks is low. Then analyzes the causes of construction four lines of Chineseworkers and peasants in the less competitive, and built four lines are given to improve the competitiveness of China's agriculture, suggestion. Finally to the full text of the analysis results to make a brief summary, and put forward the shortcomings of the text.
[Key Words]：state-owned commercial bank；competitive ability；AHP
 目    录
摘 要I AbstractII
1、引言1
1.1研究背景和意义1
1.2国内外研究综述1
1.3研究方法2
2、商业银行竞争力理论2
2.1相关概念的定义2
2.1.1竞争与竞争力2
2.1.2企业竞争力3
2.1.3商业银行竞争力3
3、运用层次分析法对我国银行业竞争力分析3
3.1层次分析法3
3.1.1层次分析法内容3
3.1.2层次分析法中判断矩阵的构成4
3.1.3一致性检验5
3.1.4指标权重的确定5
3.2构建商业银行竞争力的评价指标体系6
3.2.1评价指标的选取原则6
3.2.2构建评价指标体系6
3.2.3评价指标权重的确定7
3.3银行竞争力的评价模型10
3.4国有商业银行竞争力评价11
3.4.1银行竞争力排序的计算方法11
3.4.2评价结果12
3.4.3 分析总结12
4、我国国有商业银行竞争力对策13
4.1加快体制改革13
4.2改善和优化组织结构13
4.3完善风险管理机制14
4.4拓展国有商业银行的业务范围14
5、结束语15
参考文献  17
致    谢  18
我国国有商业银行竞争力分析
1. 引言
1.1 研究背景和意义   
工农中建四大行作为中国银行系统中最具分量的一部分，一向保持着银行界的主导位置。但是随着金融行业的不断发展，中国的银行业将面对更大的挑战。
一方面，股份制商业银行的快速发展也使国有商业银行的统治地位受到影响；另一方面，中国加入WTO之后，一直履行各项承诺，同时针对外资银行采取了自主开放的办法，外资银行机构的数量显著的增多，业务的种类和经营的范围不断的扩大。 我国国有商业银行竞争力分析:http://www.youerw.com/guanli/lunwen_46695.html