The Comprehensive Evaluation Of The Joint-stock Commercial Banks Competitiveness

From the beginning of 2006,China's banking sector open fully,to the end of 2008,China's banking sector has been open for nearly two years.In the past two years, the joint-stock commercial banks are facing severe challenges,Not only faced competition in the domestic counterparts,and feel the multi-level impact of foreign banks more and more,so it have to enhance competitiveness.Joint-stock commercial banks to improve competitiveness,it is necessary to establish a joint-stock commercial banks competitiveness evaluation index system.Thus,the main contents of this article is on the basis of the concept of Joint-stock commercial banks competitiveness to determine the competitiveness of the evaluation model,analyze the joint-stock commercial banks competitive elements, and then build an index system to measure the competitiveness of joint-stock commercial banks.Then propose a model to determine the index weight reasonably. Finally,Analysis and Evaluation the samples.ChapterⅠanalysis the background,define the research object,and then introduced the research methods,the main innovation.ChapterⅡsummarizes the competitiveness of enterprises,defines the basic meaning of the competitiveness of enterprises,raises the concept of Joint-stock commercial banks competitiveness,summarizes the evaluatet system of commercial banks competitiveness,at last analysis and comparison of Methods of evaluation,and Construct a more comprehensive index system,then reflects the competitiveness of the bankingChapterⅢestablishes joint-stock commercial bank's competitiveness evaluation model.the model is that Competitiveness evaluation=reality competitiveness competitiveness×potential competitiveness competitiveness.the reality competitiveness competitiveness is composed byProfitability,asset quality,liquidity, bank size,products and services.the potential competitiveness competitiveness is composed by Corporate governance,brand power,technology and innovation,human resources,risk management capabilities,business processes and organizational structure.SectionⅣdescribes methods to determine the weight:analytic hierarchy process(AHP) and principal components analysis(PC),and then will be a combine of both indicators to determine the weightChapterⅣselectes a sample of 8 joint-stock commercial banks,filter indicator by cluster analysis on the basis of Samples data,then calculat comprehensive weight of the indicators by the method in ChapterⅣ.ChapterⅤrank Banks,empirical analysis the competitiveness of joint-stock commercial banks...