A Research On The Core Competitiveness Of Commercial Banks Based On Financial Ethics

Since 2007, the outbreak of the U.S. sub-prime mortgage crisis, a growing number of experts and scholars realized that the commercial banks lack the ethical problem has seriously affected the credibility of its own and even the entire financial system stability and development. Meanwhile, in the context of economic globalization, the increasingly fierce market competition makes the survival and development of commercial banks are increasingly facing tough challenges, thus forcing banks to just keep upgrading, protect and create their own core competitiveness in order to sustainable survival and development. Of commercial banks at a time when competition has gradually from the visible to gradually shift the competitive financial products, reputation and image of the invisible competition, to enhance the core competitiveness of commercial banks have been impossible to rely solely on technical and financial and other"hardware resources", but also to play a variety of other"software resources"role, while the financial ethics is a very important"software resources".This paper selected a bearing on national economic and social development, but easily overlooked financial ethical issues as research object, the financial ethics and core competitiveness of commercial banks to combine the study of the integrated use of empirical research, logical analysis, mathematical analysis and other methods construction of a financial ethics evaluation index system and the introduction of commercial banks in financial ethics evaluation index system of the core competitiveness of these two systems, using the mathematical analysis software for financial ethics, the core competitiveness of commercial banks and their mutual relations recognition to be carried out by bank employees.First of all, the paper reserched on the theoretical of financial ethics, the core competitiveness and their relationship, explained the origin of financial ethics, development, content, characteristics and operation mechanism, to explore the core competitiveness of commercial banks in the theory of the origin and development, and enhance the path selection, model evaluation, and analysis of financial ethics to enhance the core competitiveness of commercial banks in the embedded system, barriers mechanism and recognition mechanism. Secondly, the paper designed an evaluation model of financial ethics. By building the financial ethics evaluation index system, the application of fuzzy comprehensive evaluation method, a comprehensive financial ethics, systematic and comprehensive evaluation. Thirdly, the paper researched on the financial ethics and the core competitiveness of commercial banks and their recognition mechanisms. With commercial banking office automation system, through such means as issuing a large number of field visits to the questionnaire on commercial banking and financial ethics, commercial banks and the relationship between the core competitiveness of a sample survey, and the integrated use of SPSS and other mathematical analysis software survey data to empirically analysis, to explore the financial ethics can enhance the core competitiveness of commercial banks, the reality of the evidence. Finally, the paper researched on the core competitiveness index system with ethics of commercial banks. Through the use of Delphi expert evaluation method and multi-level analysis to commercial banks, the main features of the core competitiveness is based on the constituent elements of its specific content and establish the evaluation index system of evaluation index measuring the weight of the Changsha bank's core competence evaluation tests, achieved good evaluation of the results.This research is conducive to academic and practical of the financial sector, understanding the ethical of core competitiveness, the internal mechanisms and the profound meaning. Through financial ethics evaluation system and the introduction of commercial banks in financial ethics core competitiveness evaluation system, from a quantitative point of view of its own evaluation, timely warning, and through key indicators of the path selection to improve its financial situation and thus enhance the ethical core competitiveness. Meanwhile, on the various types of commercial bank staff on financial ethics, the core competitiveness of commercial banks to enhance the mechanism of recognition and importance of the study will help the financial sector authorities and substantive understanding of commercial banks to agree on the financial status and lack of ethics, so as to improve the financial ethics and thus enhance the core competitiveness of the situation to provide a reference.