The Evaluation System Research Of The Competence Of The Chinese State-owned Commercial Banks

With the rapid development of globalization, the competition in the world is becoming more fierce. People is paying more attention to the research of the competence of the whole nation and various industries. The four state-owned commercial banks are the hinge of the national economy and the financial system, processing the major part of China's financial assets, and they are the nucleus of China's banking industry.Now although the assets, deposit and load amount of the four state-owned commercial banks is increasing and the absolute scale is also expanding, the market proportion is decreasing. This shows that the competition is becoming more fierce and it is important to enhance the competence of the state-owned commercial banks. Based on the analyse of the competitive situation of the banking industry, this article classifies the banking competence into two sorts: the latent competence and the real competence. It also consults the existed banking competence index systems and tries to bring out an operable index system. This article uses fuzzy comprehensive evaluation method and factor analyse to measure the latent and real competence and thus finds out what is the key factor that influence the banking competence, based on which we can bring out some advice to enhance the state-owned banks' competence.