Study On Competitiveness Of China's Exchange-Listed Commercial Banks

With the liberalization, globalization and IT development in Banking area, especially the end of transition period of Chinese Banking opening, our commercial banks have been facing complicated environment and severe competition, and are in urgent need to promote their competitiveness. So how to promote the competitiveness of Chinese commercial banks is crucial for raising the competitiveness and keeping growing up stably and rapidly in both practical and theoretical areas. However, the study in this area in China just began.This article tries to make studies on the competitiveness of Chinese commercial banks in light of China's actual situation, using empirical method and with modern economy, financial and statistical theory, and then analyze its causes and countermeasures.This article is composed of the preface, the text (four chapters), the conclusion (conclusion and outlook). First, in the preface, I made an introduction to the background and significance of this study on competitiveness of commercial banks, then introduced the structure of this article and the innovation and restriction of this article. Then, Based on the introduction of domestic and foreign research about competitiveness, this article redefines the content of competitiveness of commercial bank, analyzes the hierarchy of influencing factors, establish the assessment index system suitable for commercial bank of our country, and uses the statistical method of factor analysis to analyze the various indicators and data of 8 representative exchange-listed commercial banks for quantitative and qualitative analysis. Based on the empirical research, this article put forward some relevant suggestions in view of factors of influencing promoting the commercial bank competitiveness on both ways of promoting internal competitiveness and improving external environment. Finally, the last chapter discussed the main structure of this article and pointed out the restrictions for the further study of this area.In the innovation, this article uses the method of factor analysis instead of just comparing the financial data, and separates the factors influencing competitiveness of commercial bank into seven parts.