A Study On Chinese Commercial Bank Competitiveness Based On Value Chain Optimixation

Financial globalization has greatly changed the way of management, management theory and service scope of the traditional commercial bank which faces ever more complex international economic environment. At the same time, bank industry of china faces the more difficult domestic economic environment. On the one hand, commercial banks have to face fierce competition from foreign and domestic banks. On the other hand, commercial banks have to face changes in customer needs and challenges of non-financial institutions. In addition, the outbreak of the international financial crisis is also put forward high requirements on the banking supervision. With the dramatic changes in the financial environment, the domestic commercial banks competition is increasingly fierce, facing homogenization of domestic counterparts, and strong challenges from the international competitors, the traditional management model has been difficult to load and resolve these changes. So it is the most important and urgent task to enhance competitiveness to meet challenges and maintain the healthy development of domestic commercial banks. The paper focuses on the competitiveness of Chinese commercial banks, and studies how to improve it on the base of finance, money and banking, as well as value chain theory, using AHP and qualitative analysis and quantitative analysis method. From the perspective of the value chain, the paper analyzes the formation mechanism of china commercial banks competitiveness, builds commercial banks competitiveness evaluation index systems based on the value chain optimization, evaluates the banks and proposes the strategy to upgrade the competitiveness of commercial banks.The main contents of the paper are:①Based on Finance, Economics of currency and banking, Theory of value chain, as well as the theory of competition, this paper reveals the mechanism of the value chain of commercial bank on its competence formation.②The paper theoretical discusses the objective, the principles, the contents and directions of value chain optimization.③The paper constrictions the target system of commercial bank from the value chain perspective, and evaluates the competition of the eight of Chinese commercial banks.④Eventually, after analyzing, we can find the deficiencies in the value chain. And based on it, we will give opinions to perfect it.