Competitiveness Of Small And Medium-sized Commercial Banks In China

The small Commercial bank which is the large bank organization effective supplement is the majority country financial system's important component and the bank system health sustained development foundation. From the being established until now, small Commercial bank in our country has made the important contribution in melting the place finance risk and in supporting provincial economy and medium-sized enterprise's development. It becomes our country banking industry and even the national economy develops the essential important component. With the global economic integration and the Chinese financial industry comprehensive opening, our country bank's quantity increases unceasingly and the different scale and different property right nature's bank appears massively. The banking industry is tending to forms the competition pattern which the financial organ, the foreign capital financial organ, the non-financial organ and so on confront mutually. The small Commercial bank not only need face four big state-owned Commercial bank's competition, but must face the international skilled person's challenge. It is very important for the small Commercial bank to enhance the competitive power and survival in the keen competition. It is an important topic to appraise the small Commercial bank competitive power effectively to establishes the effective promotion way. Not only it has the important meaning to small Commercial bank's development, but also has the positive sense to stabilize our country finance environment and the promotion financial industry sustainable development.Overall evaluation Commercial bank's generality and particularity, the article takes the beginning by the enterprise competitive power theory and thinks that the bank competitive power is the Long-lived and development synthesis comparison ability in the market competition. Under the unique organizational structure function, Commercial bank utilizes the resources reasonably and provides saves and loan, the payment to settle accounts, products and so on. Based on this, this article has carried on the analysis to the small Commercial bank competitive power's connotation and the origin. By constructing the small Commercial bank competitive power anatomic model, this article has Carried on the real diagnosis and the generalized analysis on eight small Commercial banks and three state-owned Commercial bank's competitive power. Finally, this article has analyzed the main question of our small Commercial bank competitive power and has Proposed the corresponding promotion way and the countermeasure.This article's primary coverage includes the following three parts:Firstly, this article has assessed the small Commercial bank's competitive power. It is complex to assess the banking industry competitive power. This article has divided the bank competitive power into the realistic competitive power and the latent competitive power on base of scholar's research results. The realistic competitive power target divides into the fluid target, the profit making target, the secure target and the develop power four targets and the latent competitive power target further divides for the bank property right and the company governs, the risk management ability, scientific innovation ability, the human resources, the bank higher managements quality and the bank organization optimizes the ability 6 targets. In each competitive power target aspect, this article selects 2-3 concrete targets to carry on the reflection to it. Then, the article carries on the contrast to the small Commercial bank's realistic competitive power and the state-owned Commercial bank by the principal components analysis method. From the result we can see that the three place Commercial bank's realistic competitive power surpasses other joint stock system Commercial bank and the state-owned Commercial bank and five joint stock system Commercial bank's competitive power surpasses the state-owned Commercial bank overall. Moreover, we can see that the small Commercial bank's ability of the management structure target and the financial innovation is weaker than the state-owned Commercial bank. But it has the superiority on the risk management ability and the human resources target compared to the state-owned Commercial bank.Secondly, this article has carried on the analysis to internal influence factor and the external agency factor of the small Commercial bank competitive power. There are many internal influence factors of the small Commercial bank. This article has mainly analyzed the bank market localization strategy, the bank organization and the management structure, the bank internal control, technological innovation ability and bank human resources management and so on. The article has analyzed each kind of influence action mechanism of the internal influence factor to the small Commercial bank competitive power. The small Commercial bank's external agency factor mainly refers to external factor, namely the small Commercial bank cannot control it independently. This article has mainly analyzed how the international condition of business, the domestic market environment of competition and the banking supervision influence the small Commercial bank competitive power. After analysis,we can see that the tendency of bank"escapes the intermediary", the banking capital centralization, versatile development conditions and the trade development internationalization day by day has the influence to the small Commercial bank. The question of the supervision policy's standardization and the completeness of supervision laws and regulations are becoming the barriers day by day.Thirdly, this article has analyzed subject matters of the small Commercial bank's competitive power and in the foundation above proposed the small commercial bank's competitive power promotion way and the countermeasure. The analysis indicated that competitive power's subject matter of the small Commercial bank includes: as to bank market localization, the market localization strategy is fuzzy and convergence. As to the bank organization and management structure, the exterior government is lack and there are insider controlling and drive–distortion. As to the technological innovation ability, the small Commercial bank lacks forward-looking research which can renew the business mode. Similarly, the technology development mainly stresses on the service operation stratification plane, so the function which displays in the management decision is very small, which Cause the bank information work is dealing with the day-to-day business level and application system's promotion speed cannot follow information technology's development step.Moreover, the small Commercial bank product innovation mostly places on external form construction which is easy to grasp. As the same time, various banks product imitates mutually and the homogeneity is greatly strengthened, so the innovation cost and the income are asymmetrical. As to human resources management, strategic planning is deficient because it follows the traditional idea and the method basically. Similarly, staff's promotion channel is quite unitary and the training development system also waits for consummating.The countermeasure of the small commercial banking industry competitive power's promotion mainly include enhancing the small Commercial bank's interior competitive power and strengthening the bank's exterior finance ecological environment construction. With regard to the small Commercial bank's interior competitive power, the small Commercial bank must provide the omni-directional finance and the information service for the small and medium-sized enterprise in community on base of the reasonable market localization. Concerning optimization of organizational structure, the small Commercial bank should take the customer as the center and flexibly regulate resources. At the same time, the small Commercial bank must consummate the internal risk-controlling system construction and enhance each kind of operational risk ability on base of adapting the market change.The bank should standard technological innovation management system and should promote the financial product technological innovation vigorously. About strengthening the bank's exterior finance ecological environment construction, the small Commercial bank's financial supervision needs to be consummated through perfecting linkage supervision and possession supervisory mechanism and related consummation supervision policy. The government must continue to relax the banking industry's controlling and consummate the small Commercial bank market withdrawal mechanism by promotion small bank annexation reorganization. Thus financial group which have competitive power can be established.