| First, research background and meaning of this thesis1. research background On December 11, 2001, our country joined WTO (WTO) formally, and our government seriously promised to open the financial market in an all-round way within 5 years in the future and to allow the bank of the foreign capitals to run the business of RMB in China. For the banking of our country, especially four major state-owned commercial banks, these can be said to be the challenge coexisting with the opportunity. With the increase of the opening degree and the competition intensity in the financial market, especially today when science and information technology are developing rapidly, four major state-owned commercial banks are facing both the domestic competition of the same trade and the competition with international large banks that have obvious advantage in fund allocating, assets types, cost controlling and managing benefit etc. The state-owned business banks of China need improve the competitiveness badly in order to reply the challenges.2 .research meaning Finance, lying on the top of pyramid of social and economic industry, is the core of the modern economy. Today when the economic integration and financial globalize are developing in depth day by day, a strong national economy must depend on the developed finance as backing. During the process of building the socialist market economy system of our country, the banking, as the largest and the most important financial institution in our financial circles, occupies an important position. So, the research on our country's commercial bank's competition is a rather important subject for the survival and development of commercial banks under the new competition situation. Meanwhile, as far as theoretical research is concerned, the research on commercial bank's competitiveness is also a front subject with important theoretical value.Our country is regarded as the biggest developing country in the world, and the practical exploration and theory innovation of the financial system reform over the past 20 years have made the banking of China change enormously and gain obvious achievement, and the banking of China have made important contribution to the economic development as well. However, we must admit that our banking, especially state-owned commercial banks still exist many problems, in which, the main ones are the relatively high rates of bad assets, the relatively low efficiency and the imperfect operating mechanism etc, to seek the ultimate reason of the problems mentioned above, it is the insufficient competitiveness. As a result, it is significant for the development of the banking of our country and deepening the financial system reform that how to evaluate the competitive power of our banking objectively, and how to guide our banking to seize the opportunity to guarantee the smooth transition and to occupy the favorable position during the international finance competition.Second, theoretical foundationBecause there is different comprehension on the concept of the competitiveness, the models of the theoretical competitiveness have relatively great differences. Among numerous competitiveness theories, this thesis adopts the competitiveness theory model of Professor Michael E. Porter of business schools of Harvard University. Professor Potter's three pieces of work: "Competition Strategy" (1980), "Competition Advantage"(1985), and "International Competition advantage" (1990), introduced the industry organizing theory into the research of strategic management, and they established his authority in competitiveness theory. In the book of" competition strategy", Professor Potter concretely analyzed the competition state of the enterprise, and summarized five kinds of basic competitive force when deciding the competition state inside an industry: entering threat, substitute threat, buyer's ability in bargaining, supplier's ability in bargaining and the existing rival's competition. Professor Potter put forward the concept of" value chain" in the...
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