An Evaluation And Empirical Analysis Of The Competitiveness Of China's Commercial Banks

With the advancement of china's opening-up and financial system reforming, this country's banking industry has made unprecedentedly great progress. However, the competitiveness level of Chinese commercial banks is still far lower than that of the powerful foreign counterparts. At present, many problems exit concerning Chinese commercial banks, especially the state-owned commercial banks, such as conducting inefficiency, lacking of creativity, the worriable quality of capitals and so on. Nowadays, China has entered the WTO. During the following three-year protection period, almost China's whole financial market will be opened to the entire world, and the Chinese commercial banks will have to confront the competition and challenge from the powerful, advantaged large-sized foreign commercial banks without the government's protection. So it is pretty meaningful to discuss how to improve the competitiveness of Chinese commercial banks both in theories and reality. The relative concept of competitiveness level of commercial bank is derived from comparison. The premise of improving competitiveness of Chinese commercial banks is to correctly assess the present Chinese commercial banks' competitiveness level. And then, we cloud find the key causes influencing the competitiveness level based on the assessment, and propose the policies and measures to improve the competitiveness level. It is under the above background that the author tries to analyze and evaluate the competitiveness level of Chinese commercial banks.This article's analytic clue is that: firstly, the author elaborates the basic concept of enterprise competitiveness and features of it by reviewing the theory of enterprise competitiveness, analyzes the substance of competitiveness of commercial bank in details, further confirms the specialities of commercial bank's competitiveness, generalizes the comprising causes of commercial bank's competitiveness, including knowledge creating cause, organizing capacity cause, fundamental conditional cause, reviews and commentates briefly the analyzing methods of bank competitiveness, thereby offers the theoretical support to build up the index system of commercialbank's competitiveness. Then, the author constructs a systematical, practical evaluating index system of commercial bank's competitiveness based on the aforementioned analysis through applying the Analytical Hierarchy Process and disposing scientifically of setting the index priority right of the index system. In the part of empirical analysis, taking 14 Chinese commercial banks and some international large-sized banks as the analytic objects, the author has an insight into the situation of the Chinese commercial banks' competitiveness and finds the weakest restraint of the development of Chinese commercial banks, through the analysis of internal banks index, internal banks development trend, and some internal and external banks index. The part of measure analysis focuses on the analyzing of main policies on the basis of the results of empirical analysis, and it is an extension of empirical research conclusion.Combining theoretical analysis and empirical analysis is the one of features of this article's analysis. The author applies the various analyzing measures in order to make the content deeper and broader. While the writer narrates the theories, the article is explored in a comparative and extended way; When constituting the evaluating index system of bank competitiveness, the author uses the Analytical Hierarchy Process; The part of positive analysis is adopted an analytical method combining comparative analysis and tendency analysis.The creative points of the article are: the writer constructs a relative complete evaluating index system of bank competitiveness based on the theoretical analysis of enterprise competitiveness by analysis and elaboration of the substantial features and comprising causes of bank competitiveness, applying the Analytical Hierarchy Process, and according to this evaluating index system the writer makes the positive analysis...