Study Of The Competitiveness Of Chinese Commercial Banks

After carrying out the reformation and openoor policy , with the process of marketirection and internationlization of Chinese financial industry , more and more foreign banks are getting involved , and the other domestic financial organizations develop rapidly , the running enviorment of Chinese banking has changed ProAundl ,now it is facing intense market competition. The success and the failure of the foreign commercial banks have been showing that where there is competition, there are winners and failures, so the commercial banks must try hard to improve their competitive ability in the hot market struggle for existence and development However , people still lack a clear understanding to the real meaning of the competitive ability of the commercial bank, therefore, the author gives a comparative systematic and deep analysis about it , taking the analyzation as theoretical background . the author thinks that the competitive ability of commercial bank is the integration of market? occupying ability and profit梬inning ability and riskesisting ability of a bank . He considers that the quality and the scale of a bank are two decisive factors to its competitive ability . In addition , System of bank and supervision of bank can influence the competitive ability of commercial bank Then , he makes an empirical analysis to the competitive ability of the Chinese commercial banks . But , the result of the analysis is not satisfactory . There is a big gap of competitive ability between the Chinese commercial banks and the foreign commercial banks , Even among the Chinese commercial banks ,there is much evidence difference of competitive ability between the national commercial banks and the new jointock commercial banks What is the reason for it ? Which factors restrict the competitive ability of Chinese commercial banks ? The author studies those factors one by one . Firstly, the qualities of the banks are too bad . Secondly the systems of the banks are not reasonable. Thirdly, the running scales of the banks are not appopriate measure . Fourthly , the running enviorments are not ideal Facing the restricting factors , how to improve the competitive ability of Chinese commercial banks About the question , the author makes a systematic exposition of countereasures that should be taken from seven ways. Thefirstwayis omakebetterthequalitiesofthebanks. The second one is to train and bring up Chinese bankers . The third one is to reform the systems of the banks . The fourth one is to innovate the functions of the banks . The fifth one is to reengineer the banks . The sixth is to promote the mergers and restructurings of the banks . The seven one is to ameliorate the outer running enviorments of the banks...