Analysis Of Competitiveness Of China's State-Owned Commercial Banks

The development of financing industries is a important status of whole economic development in the development of modern economic development .So, strengthening the competitiveness of whole economic system must hence the competitiveness of financing industry. The four State-owned commercial banks have mostly share of financing industry, their stable circulation directly contributes to the healthy development of the national economy. Furthermore, their competitiveness is the avatar of China's overall national strength, so the improvement of the state-owned commercial banks plays a great role in the development of the national economy.To adopt to the trend of globalization and international of Chinese financial industry and economy, china has joined the WTO in 2001 year, which will has far-reaching significance for the development of Chinese finance and economy. Not only does it symbolize the approach of comprehension competition of the Chinese banks, but also provide beneficial opportunities for the development of the state-owned commercial banks themselves. Since the policies of reform and opening up, state-owned commercial banks have the process of the little-by-little opening and exploration, and have made some progress. Since china's entry into the WTO, state-owned commercial banks face not only the increasingly fierce competition within china, but also the challenges from the international rivals. So appraising the competitiveness of state-owned commercial banks objectively, achieving the advantageous position in the competition of the international finance industry,obtaining chances for the development have important significance for the development of Chinese banking and national economy.The essay frames the systematic standards to evaluate the competitiveness of the commercial banks. From the perspectives of the core competitiveness, the basic competitiveness and environmental competitiveness; compares the competitiveness of the state-owned commercial banks and that of the foreign modern banks; objectively evaluates the present competitiveness of Chinese state-owned commercial banks. The key of the essay is to explore the methods to improve the competitiveness of our country's state-owned commercial banks.The essay analyzes the present competitiveness of Chinese state-owned commercial banks. By way of theory and practice, comparison and analysis. The conclusion of the essay is that Chinese state-owned commercial banks obviously lag behind the foreign modern banks; but they also have some advantages in local credit and business range aspects. Therefore, facing the trend of the globalization of economy and finance, state-owned commercial banks should catch the opportunity , and speed up reform of ownership and management systems, transform their economic mechanism, strengthen in-house management, broaden the business field, try to become a comprehensive bank , at the same time actively explore the way to joint management and the joint-stock company innovation, sharpen the overall competitive capacity in the next 5 transition years, after china's entry into WTO, in order to stand firmly in the international intense competition.