Study On The Competitiveness Of State-owned Commercial Bank

After China joined WTO, according to the promise of open bank field, the restriction for the bank of foreign capital, which mainly focus on managing commercial and region of establishment and etc, is canceling step by step, this will promote the development of bank service market fast, meantime it also make Sino commercial banks face with intense competition and challenge of market. Therefore, how the Sino commercial bank win the challenge, improving one's owned competitiveness becomes an unusually urgent and serious problem, the paper attempts to answer this realistic circumstance. The paper bases on the analysis to the reality of the Sino commercial bank and foreign capital bank, through the analysis and comparison to the competitiveness of Sino commercial bank and foreign capital bank, summarize their strength and weakness, and have analyzed the competitive strategies of the Sino commercial bank and foreign capital bank concretely. The paper has analyzed the profound reason why the competitiveness of state-run commercial bank is inferior, and proceeding from realistic foundation of the joint-equity reform, author give the countermeasure of improving the competitiveness of state-run commercial bank. The papers has analyzed the advantage of the joint-equity reform, listed the ultimate target of launch and Corporate governance, and have put forward the corresponding suggestion for corporate governance. The author has also made a concrete analysis of on the external environmental factor of the Chinese banking. Along with the situation that law and bank industry reform constantly, we should develop the intermediate commercial of the state-run commercial bank in a more cost-effective manner, and provide the concrete suggestion of developing the intermediate commercial. The paper gives a demonstration of the condition that Sino commercial bank win the victory of competition in the future: improve the property right, deepen the joint-equity reform, strengthen the innovation at the same time, imitate financial product that foreign capitals bank offers in step, then make customer impossible or very difficult to distinguish foreign capitals service promise that bank send out, meanwhile they can utilize our advantage, such as extensive site, native culture and national prestige.