Research On The Competitiveness Of Chinese City Commercial Banks

In recent years, China’s city commercial banks which are considered as the "third stage"of China’s commercial banking system are developing rapidly. Their asset growth rank among the highest in China’s banking institutions; their market share continues to expand. Meanwhile, their comprehensive competitive strength has made great progress. Complementing with another medium-sized and large-sized banking institutions, China’s city commercial banks palyed an indispensable component of China’s multi-level banking system.However, the development of China’s city commercial banks is unbananced. Compared to medium-sized and large-sized banks, there are many problems in the city commercial banks’development, and lack of competitiveness is the main reason. In the future, China’s city commercial banks’development will also face both challenges from the external environment and the pressures of their own. In order to not only overcome their own weaknesses and shortcomings, but also to maintain rapid and stable development momentum, the key is to nurture and enhance their competitiveness. Therefore, how to enhance their competitiveness, and take the sustainable development path, has become a amajor issue in our city commercial banks. Meanwhile, the rapid development of China’s city commercial banks also need summarize the experiences and lessons that learned for more than a decade, as well as explore and discuss their frontier theory.Based on the competitiveness of enterprises theory, combined with commercial banks’ safety, liquidity, profitability, research of the dissertation finally focuses on the competitiveness of the commercial city commercial banks. It has established a "real competitive "and" potentially competitive" commercial banks competitiveness evaluation index system. Through empirical analysis, it arrivals at a conclusion that China’s city commercial banks lack of potential competitiveness. Then, it draws lessons from the international "category city commercial banks" how to enhance the competitiveness successfully. Eventually, It put forward the countermeasure and suggestion.Chapter I is the introduction. It mainly describes the research background and significance of research ideas and content, as well as innovative research methods and inadequacies.Chapter II is the literature review. It retrieve domestic and foreign classic literature From five aspects including "the relevant theoretical research of bank Competitiveness, the relationship between the bank ’s various constituent elements of competitiveness which affects the competitiveness of banks internal and external factors, how to evaluate the competitiveness of banks, the ways and measures to enhance the competitiveness of banks ". Then it summed up the historical background, current status and trends of the "City commercial banks competitiveness". By the method, this dissertation analyzes the possible direction of further research.Chapter III is the theoretical basis. This chapter discusses the theory of the competitiveness of enterprises as a starting point, and finally concentrated to the subject of this study-the competitiveness of commercial banks. Combing and summarizing related theories such as "What is corporate (commercial banks)’s competitiveness "," How should the enterprise (commercial banks) competitiveness evaluation","to enhance the competitiveness of enterprises should take what strategy?",and try to build a theoretical system about how to evaluate and enhance the competitivenession of commercial banks (especially the rapid development of our city). All follow-up study designed to pave the way for the theory.Chapter IV is the analysis and comparison of the situation of city commercial banks.First, China’s banking industry organization system, membership and market conditions are described, and then introduces the development of China’s city commercial situation, and finally with foreign "category city commercial banks" were compared, and summarized experiences and lessons learned. Through a multi-faceted comparison and analysis, it preliminary depicts the fundamentals of the competitiveness of commercial banks.Chapter V is the analysis of the competitiveness of city commercial banks. This chapter evaluates the the competitiveness of commercial banks using SWOT analysis method and indicators quantitative analysis method respectively. The conclusion is the potentially competitive gap between large state-owned banks and joint-stock commercial banks is large, and it planted a footnote for how to improve the competitiveness of our commercial banks.Chapter VI of the dissertation is the examples about city commercial banks to enhance the competitiveness. This chapter describes how Hankou Bank constantly renew their ideas, advancing to the corporate vision process, in the" Establish the ideological, Attract the Lenovo company, Pursue the dream" of the overall strategic vision, to explore out of a "Large-scale+Characteristics" path of development. First, it condensate a core idea about "Thought for your service," which is the energy source of Hankou Bank to enhance its competitiveness; Secondly, the successful "borrowed boat" Lenovo and achieve" The introduction of investment, introduction of advanced systems, introduction of talent recruitment, introduction of knowledge, introduction of governance" and formed a golden Triangle portfolio named" Optics Valley+association+Hankou Bank" which is difficult to replicate, for seizing the initiative and seeking a breakthrough in the area about Technology and Finance. Finally, to create "a hundred years old"brand, to become a modern financial enterprise, to pursure excellence constantly, is the forever dream of Hankou Bank. This chapter cited the practical experience of Hankou Bank of as a classic case of domestic city commercial banks, in order to providie a experience for other city commercial banks for how to enhance the competitiveness.Chapter Ⅶ of the dissertation is the suggestion. On the basis of the above theory, empirical and comparative analysis, It suggests how to enhance the competitiveness of the countermeasures and proposals for the" whole group" and stage of development, the scale of development, development of different" city commercial banks entities," respectively.Chapter Ⅶ of the dissertation is cnclusion. This chapter provides concluding remarks. First, Summarizes the full text of the opinion, Then, future research directions are suggested. At last, It prospects for further research aspects.