A Research On The International Competitiveness Of China Commecial Banks

As one member of World Trade Organization (WTO), China has been increasingly opening its bank industry accordingly to relative WTO agreements. At the same time, foreign banks are especially taking drastic steps to enter China because of a total cancellation of restraint policies at the end of 2006 which lasted for a long time. There is no doubt that China commercial banks have become one of the most important parts of local bank system with the accumulative effects of 20 years'economic restructure and re-opening policies. What is more, the traditional four big state-owned national banks have also been restructuring step by step. As a result, we believe that the competition in our bank industry will surely become more and more drastic. This is to a large extent due to the enter of foreign banks too. Therefore, it is very important for us to focus on the issue currently and it would be meaningful for us to analyze the international competitiveness of China commercial banks so as to give some suggestions for their future development.This dissertation is divided into six parts: the first one is introduction; the second part is written to introduce the definition of international competitiveness of commercial banks, it also includes several models from the views of industrial organization theory. Thirdly, it shows us the development and status of China commercial banks together with foreign banks. The fourth and fifth parts are the main frame of this dissertation. The forth part makes a concrete frame of analyzing the international competitiveness of commercial banks and then the fifth part makes an experimental analysis. The last part is written to make conclusions and give relative suggestions on how to further improve the international competitiveness of China commercial banks.