The Company Joint-equity Banks' Competitiveness Analysis And The Countermeasure Research

As the outcome of the economic development and the financial revolution, the company joint-equity banks are taking on the mission of both inducing the market competition mechanism and probing the commercialization of the banks. After more than ten years' development, they've taken a market share of 10% plus and rank at the head part of the line. However, with the more and more profound revolution of the national banks and the faster pace of the foreign banks, greater suspicion appears about their competitiveness and the sustainability of their development. In this background, it has a far-reaching meaning to research for the status and improvement of their competitiveness. Using the comparative analytical method and combination of qualitative and quantitative analysis, this essay thoroughly and profoundly anatomize the competitiveness of the company joint-equity banks and put forward some constructive countermeasure for improving it.This essay comprises four parts. The first part compares the competitiveness of the company joint-equity banks and the national commercial banks; the second part compares that with the foreign banks; the third part firstly builds up a "bank competitiveness model", and then analyses the company joint-equity banks' competitiveness with Game Theory, and lastly concludes that: the competitive advantages is comparative, and the competitiveness is dynamic; and the last part ofthe essay brings forward four pieces of countermeasure for improving the company joint-equity banks' competitiveness-'support, regularization, creation and cooperation, then emphasizes on creation : start with the organization, technology, operation and management, enhance creation, rebuild the competitive advantages and improve the competitiveness.