China State-owned Commercial Banks Competitiveness Research

With the accession to full liberalization of the financial sector after the WTO, foreign banks can conduct RMB business has been with domestic commercial banks at the same competitive arena. The face of foreign banks in customer service, management experience and tools to the advantage of innovation, domestic banks will face a loss of market share and the threat of high-endcustomers.Improve the competitiveness of Chinese commercial banks should fully open their markets is a necessary measure to provide money for commercial banks as funding special service, competitiveness is in fact management experience and customer service competition. How to improve the commercial banks and foreign banks the advantages of competition, is the original intentionandpurposeof this paper lies.This paper reviews the theory of competitiveness at home and abroad, and pointed out that the competitiveness of the practical significance banks. Then, select the four major state-owned commercial banks as the representative sample of Chinese commercial banks and foreign banks in the management, innovation and service competition in the field were compared, pointing out the advantages of state-owned banks and their shortcomings. Finally, through comparative analysis, pointed out the state-owned banks to improve the competitiveness of policy recommendations.