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本文以北京银行、上海银行、江苏银行等在内的10家城市商业银行为样本,选取了与城市商业银行发展高度相关的GDP,利用TOPSIS分析方法计算出各样本城市商业银行的信贷市场规模指标,解决以往研究中忽视地区经济发展水平差异对城市商业银行信贷市场规模分析造成的影响。通过比较分析发现:地区经济发展水平越高城市商业银行信贷资产的市场份额和市场规模越大,但随着市场竞争的加剧,这种现状呈现出减少的态势。
In this paper, 10 commercial banks including Bank of Beijing, Bank of Shanghai and Jiangsu Bank are chosen as samples, and GDP, which is highly correlated with the development of urban commercial banks, is selected and TOPSIS is used to calculate the size of credit market of each commercial city , To solve the previous study ignoring regional differences in the level of economic development of the city commercial bank credit market analysis of the impact. Through comparative analysis, it is found that the higher the level of regional economic development, the larger the market share and market size of credit assets of city commercial banks, but the situation shows a decreasing trend as the market competition aggravates.