Economic Analysis Of The Competitiveness Of Chinese Commercial Banks

Economic system reform for recent 20 years, especially the gradual perfection and innovation in financial system, make the unprecedented rapid progress and get obvious achievements in bank industry. Along with the deepening final reform, accelerating marketing process and economic globalization, the competition among commercial banks transformed gradually to competence struggle based on resources, capacity, technology and culture. Therefore, in the information age with full of opportunity and challenge, How to improve the competence and how to survive and expansion is of great theoretical valuable and practical significance.Studying on China commercial bank, applying economic method and criteria, and combining with DEA model, the thesis make the empirical research on competence of commercial bank: Firstly, the paper makes a theoretical summary of competence theory, institutional economics and micro-banking; then based on material SCP, the paper construct analysis model for commercial bank, and make empirical analysis for efficiency, which is the core of commercial bank competence,proved that the market structure of commercial bank is unreasonable and the existing problems of national bank are their property of large defects and most of them have unefficent scale. Subsequently, the thesis broadens the research eyes to the whole bank market. Combining the definition of market structure with regression analysis of performance, the article analyses the influence of competence by defect in property and market structure. Finally, iming at the questions above, the paper proposes improving measures in these aspects.From the above research, the thesis draws conclusions: (1) property is unneglectable factors which affect our commercial banks competences. The difference in property structure is the important reasons for efficiency. So the well competences of joint-stock commercial bank totally come form clear and multivariate property structure. (2)Market structure and property structure all affect China banks competences. The certain property structure and corresponding market structure are closely related and interdependent. Therefore, the important point of improving China bank competence is paying equal attentions on property structure and market structure. (3)Basing on the current conditions of China commercial banks, government should take the measures including: system innovation of national bank property, adjustment of market structure, perfecting financial supervision system, and improving outside operating environement.Through the empirical research, the thesis aims at finding a concrete method to improve the competence. While the question is challenged by banks generally, the conclusion of this thesis is some meaningful reference for similar bank.