Study On Evaluation Of The Core Competence Of Chinese Commercial Bank

As the principal part of Chinese financial system, the conduct and actions in Chinese banking have been operated the quota account for 90% of whole financial industry above, but the commercial bank is used as the main body of the Chinese banking, its reformation with develop directly prospect of relating to the Chinese financial industry. From the 90's of 20 centuries, the Prahala puts forward the business enterprise core competencies problem with the Hamel up to now, the core competencies theories has become a hot problem of contemporary business enterprise management. Business enterprise continuously the competitive advantage comes from its core competence. But the current core competencies theories still has no complete formation system, as to it's comprehend to lack to unify the cognition, neglect at the same time its with environmental relation in exterior, the evaluation lacking effectively identifies the way, which make the core competence theories at make use of the bar that resulted in certainly。 Definition to the commercial bank core competencies, the academic circles is main to proceed with the angle of the function and from the product. Postpone mostly from the research of the product angle the classic that define with the core competencies, settle to emphasize its worth, un-immutability and its expedience, but because the finance innovation one after another, the core product of the commercial bank is hard to be certain。On the other hand, the economic function of bank is then opposite stable much, but why the innate character function of the commercial bank is a risk management have no certainly hermeneutic。 So its core competencies in the textual a risk for, analyzing emphasizing explaining commercial bank management ability, at the same time from the core competencies of at forget old grudge to distinguish the standard as to it's proceeded the examination。 In a main method for, first introducing domestic and international relevant core competencies evaluating, and analyzed the comparison the commercial bank competition ability evaluation method。 Here the foundation is last, putting forward according to the evaluation index system of the core function, totally four major type 16 index signs. Immediately after, we precede the application to the index system in chapter 4 and verification. Pass the main composition analysis method primarily, proceeded to compare the analysis to our country 13 core competencies of commercial bank condition. Think the far ahead local and other commercial bank of the risk management ability, the first category has established own core competencies; the second category still has no complete formation own core competencies, but have certain risk management advantage. And the third risk manages the function returns to have no to develop out completely, dosing not have the competitive advantage on its innate character function。 In foundation that evaluate the result, aim at the core competencies present condition of the Chinese commercial bank, set up to the our country commercial bank core competencies of put forward three suggestions: To establish first" the almightiness turns the "with" profession turns" the equilibrium strategy thoughts, promoting the core competencies to strategy to proceed to value highly; to pass the next in order" strategy alliance" the strategy puts set up into practice to; to pass the internal resources in the commercial bank of integration, development commercial bank competition ability system, for commercial bank building the core competence' basement.