The Evaluation And Construction Research Of Core Competence In Commercial Bank Of China

Core Competence is one of the key questions of enterprise strategic management, And it is the goal of commercial bank management. As China joins the WTO, There is more fierce competition between China commercial banks and other commercial banks. So, the study of commercial bank's core competence has meanings of theory and practice.On the foundation of the analysis of relevant research current situation of the domestic and international, with core competence theory and using Poter's value chain theory. The article analyses deeply the core competence of China's commercial banks. The article has fixed that the core competence of China's commercial banks is the ability system which is made of five factors. The article used comparison ana1ysis and principal component analysis method to appraise to the data of the Chinese commercial bank of 2002. The result shows that nonperforming assets, Capital adequacy ratio and expense cost control are the key factors which influence the core competence of China's commercial banks. The principal component analysis shows that capital adequacy ratio has a obvious negative effect on the core competence of China's commercial banks. comparison ana1ysis shows that the core competence of private commercial banks has a obvious advantage. Based on the above results, some suggestions and countermeasure are made in this paper.