Studies On The Evaluation Of The Core Competence Of Domestic Commercial Bank

On the basis of core competence theory, by using the theories synthetically, such as finance, economics, competition advantage theory, game theory, value chain theory, etc. this paper attempted to go on a series of studies, such as " What is the core competence of domestic commercial bank ", " How strong is the core competence of domestic commercial bank ", "Where are the advantages and disadvantages of each commercial bank's core competence ", "How to promote domestic commercial bank's core competence ", etc.Based on the above-mentioned research purpose, this paper analyzed the characters and SWOT of commercial bank at first, and on the basis of game theory and Michael'Potter's Five Strengths Model, this paper studied the promotion mechanism which did the objective factors, such as the competition intensity of commercial bank, the potential entrant's threat and substituting effect of bank products, etc, act on the core competence's cultivation of domestic commercial bank. The connotation and characteristics of commercial bank's core competence were defined in terms of value chain, and the core competence theory of commercial bank was probed into. Secondly, based on Michael Potter's value chain theory, the value chain of commercial bank and its characteristics were probed into; the inside and outside value chains of commercial bank were set up according to the business procedure and the business operation's management; based on the the value chain of commercial bank, the influence elements analyzing model of commercial bank's core competence was set up from three aspects. With this model, the paper discussed the relations of resource elements, ability elements, environmental elements and core competence. Thirdly, on the basis of the influence elements, connotation and its characteristics of commercial bank's core competence, the evaluation system and identification, evaluation, cultivation procedure of commercial bank's core competence were set up. Based on this evaluation system and procedure, multi-level fuzzy unanimous matrix model was set up, and the comprehensive evaluation analysis to the core competence of domestic fourteen commercial banks was carried on. On the basis of the result, the SWOT analysis and fuzzy cluster's analysis to these banks were carried on. Fourthly, the efficiencies of fourteen domestic commercial banks were evaluated and analyzed by using no parameter model, and the input surplus and output deficit questions of the ineffective commercial banks were studied and evaluation standard was found by comparing the results. Fifthly, on the basis of the evaluation system, cultivation procedure and evaluation result, the promotion tactics of the core competence of domestic commercial bank was studied in terms of optimizing the value chain of commercial bank. Through the optimization of the whole value chain of commercial bank, domestic commercial bank could fully excavate the information in the value chain and create the unique value chain, thus to promote its core competence in essence.