Research On Evaluation Of Commercial Bank Competitiveness

The influx of foreign banks injected fresh blood to Chinese banking market, bringing a certain amount of pressure. how to face this great opportunity and challenge is an urgent task that all commercial banks must face.This thesis regards competitiveness of commercial banks as the research object which studies the theories,the evaluation and analysis. The author wants to explore the characteristics of commercial banks competitiveness and its determinative by analyzing and evaluating the commercial banks competitiveness from 2005 to 2007, and to detect the advantage and shortage of the Chinese commercial banks competitiveness, and investigate its reason. It is the theoretical base for promoting the Chinese commercial banks competitiveness. The main contents are as follow:Firstly, the author studies the related commercial banks competitiveness theories according to the concept of the bank competitiveness, and precedes the system analysis to the source of the commercial banks competitiveness.Secondly, we use the entropy method that is appropriate to commercial banks competitiveness to proceed the substantial evidence analysis to the commercial banks competitiveness, and draw some conclusions as follow:horizontal, the state-owned commercial banks are lower than the non-state-owned commercial banks; Bank Of Communications performance best; Competitiveness of Agricultural Bank is the weakest. Dynamic point of view, from 2005 to 2007, China's commercial banks are more competitive and the competitiveness difference reduces gradually. listed commercial banks such as China Merchants Bank, Industrial Bank, Bank of Communications, Minsheng Bank performance Outstandingly.Then, we compare the results of entropy method to the results of the factor analysis. and it showed that the two results have a strong consistency.Finally, the author provides some sugestions to improve competitiveness of China's commercial banks according to the empirical results. One, improve the corporate governance structure; two, improve the asset quality of commercial banks; three, try to tap the potential competitiveness, fostering core competitiveness.