The Analysis Of Competitiveness For The A Commercial Bank

Since the shareholding system reform, B Bank has seen notable increase in its capital strength, dramatic enhancement in its earning capacity, continuous improvement in its assets quality, and significant enhancement in its competitiveness. As one of the branches directly under B Bank, A Bank has been appointed as one of the key city branches and has become the backbone of financial industry in Xiamen, playing a significant role in the local economic development. With the deepening of the commercialization reform of state-owned banks, the rapid emerging of shareholding banks, and the overall opening to foreign-funded banks, the fierce competition among various commercial banks is heating throughout the country, and Xiamen is no exception. Under such a background, A Bank is facing some major topics in its business development, that is, how to confront the changes in the economic and financial environment; how to set proper development strategies and goals; how to develop measures and methods to strengthen the competitiveness; how to grasp the opportunities and meet the challenges to obtain the competitive edge.Xiamen city saw the stable and rapid economic development over the past decade. It has been leading the way in the construction of the Economic Zone in the West Coast of Taiwan Strait, promoting another round of leap-frog development in a solid and sound way. Therefore, the rapid and sound development of economy in Xiamen has brought opportunities to the development of its banking industry. When the banking industry enjoys favorable operation status in Xiamen, the competition in the industry is becoming increasingly fierce. A Bank shall analysize the context, its advantages and disadvantages in competitive market it is located, seriously explore and set down its development strategies and measures, and set up a sustainable improvement mechanism, endeavoring to build A Bank into a modernized shareholding commercial bank with strong competitiveness.Firstly, this article analysizes the background and environment where A Bank is located, and illustrates the development and changing tendency of the major economic indicators by means of proper charts. Secondly, it describes the business development of A Bank via collecting relevant materials and data, makes horizontal comparison between A Bank and other major commercial banks in Xiamen, showing the changes in the key business market shares of various banks and their relative advantages, and also analysizes the actual competitiveness and potential competitiveness boasted by A Bank . Lastly, based on the systematic analysis of the internal and external environment where A Bank is located, and with the method of strategic theory and analysis, this article explores the specific measures to set down the development strategies and to enhance the competitiveness of A Bank.On the one hand, through the analysis and study on the competitiveness of A Bank, this article may serve as a reference and a realistic guide to the ways of operational mechanism reform, development strategy and competitiveness enhancement of A Bank. On the other hand, the analysis on the competitiveness of A Bank is the sound basis to fan out from point to area, and is of great significance to summarize the achievements in the reform of financial industry in China, and the new issues and new problems that it is facing under the new situation, and to propose good strategic ways of thinking and strategic goals, and the reform direction of enhancing the competitiveness and meeting the challenges.