Strategic Choices To Improve The Competition Strength Of City Commercail Banks

City commercial banks are parochial joint-stock banks invested by the parochial government, enterprises and citizens. They have made rapid increase both in size and strength since their birth, and have been the notable part of our bank industry.City commercial banks have made great progress, but they still have big problems not only in operating condition, assets quality but also in management and system building.In this article, a competition strength evaluation system was built which contains index of two levels: current competition strength index (such as scale, profit making power, assets liquidity, asset quality and manage power);potential competition strength index (which including human power, science and technology ability, finance innovation power, corporate governance, internationalization level and government policy support). Both qualitative analysis and quantitive analysis were used to compare the competition strength of the city commercial banks with that of state owned banks, national stock banks and the top ten banks of theworld. And it completely and profoundly opened out the position and the competition strength status of the city commercial banks.After analyzing the inside and outside conditions of the city commercial banks: which include macro-condition, industry condition and their inside strength, strategic methods were found to help the city commercial banks to increase their competition strength.This article was made of several parts. The first part is the preface in which the research meaning, way and the innovation was presented;the second part is the narrate of the commercial banks competition strength;in the third part, a competition strength evaluation system was build to show the city commercial banks' competition strength;in the fourth part, the macro condition, industry condition, opportunity and challenge of the city commercial banks were expatiated. In the fifth part, strategy methods to help the city commercial banks to get out of the jam were showed. The last part was the conclusion and the researching topic remained in the future.