The International Comparative Study Of The State-owned Commercial Banks' Competitive Power

Along with enters WTO commitments to pledge deadline approaching, the state-owned commercial banks soon face the unprecedented competition and the pressure, but in the present case, although four the state-owned commercial banks have completed a series of reform measure, including the bank of China, the China construction bank, the Industrial and Commercial Bank of China going on the market in abundance, four big banks'reform on flaking bad reset, management system reform and so on, but if the four big banks want to launch the comprehensive competition with the overseas big banks, these by far are also insufficient, therefore, it appears have the significant theory significance and the practical significance that comprehensively understanding the four big banks'competitive power and producing the policy and the suggestion for enhancing competitive power.This text carries on the comparative research of the state-owned commercial banks and the overseas big banks from three respects. From the competitive environment at first, the article analyzes and investigates our country's main disparity and deficiency on financial market, the relevant industry development and the competitive environment in banking, which compare with the developed countries; Then it carries on research in terms of realistic competitiveness, and adopt PANEL DATA model, Data Envelopment Analysis and factor analytical method in place with a net to analyze from three angles separately, this chapter includes a lot of empirical analysis, and it is this article's key point; Furthermore, it analyzes the disparity between the state-owned commercial banks and the overseas big banks in potential competitiveness, and dissertates from three aspects those are regulation structure, business system and innovation, and the validity of risk supervision. Finally, it proposes the countermeasure of improving the competitiveness of the state-owned commercial banks according to the analysis of the full text.It is one of the characteristics herein to combine with the theory analysis and empirical analysis. Full text has systematic theory analysis in most place, which concatenate by study frame of three competitiveness levels those are environment, realism, latency; Meanwhile, the full text uses many kinds of analysis means, and strives to make the analysis more extensive and deeper, among the analysis, it is greatest innovation in this article that applying PANEL DATA model method to...