Competitiveness Of Commercial Banks Financial Evaluation And Promotion Strategies

Finance is the core of modern economy, the banking industry is a pillar industry of the financial industry. Since the 21st century, the world economics development even more has not been able to have left the financial health stable development, the end of the last century swept across Latin American, East Asian and Russia's economic crisis lets us profoundly understand the financial strength. Along with Chinese market economy gradually consummation, the degree of financial liberalization and the foreign countries opening up gradually enhancement in the future, we will be more vulnerable to the impact of world financial markets. With China's accession to the WTO by the end of 2006 external financial operations comprehensive protection for the period ended, the foreign commercial banks have started a fierce competition. If unable to effectively enhance the country's commercial banks overall competitiveness, are very possible to be able to appear some serious problems which can affect a number of commercial banks and the economic stability of the overall development. Therefore, conducting an objective, comprehensive analysis, evaluation and comparison and developing an effective promotion strategy to upgrade the current competitiveness of China's commercial banks is undoubtedly of great theoretical value and practical significance.Therefore, this article tries hard to unify the actual situation of our country, the utilization of modern economy, the finance study theory, embarks from the real diagnosis, makes the comparison research to our country commercial bank's competitive ability, and analyzes its reason and the countermeasure above this foundation. First proposed in the first chapter conducts the research to china's commercial bank competitive ability the background and it's the significance, then simply introduced the domestic and foreign banks competitive ability research present situation, and made an introduction to this article organizational structure. Second chapter has conducted the general research regarding the competitive ability, makes an upholstery for the behind commercial bank competitive ability research. This part mainly studied the commercial bank competitive ability definition and its rationale, the commercial bank competitive ability appraisal and the bank credit rating and the achievements appraisal difference in this chapter. Third chapter is to our country commercial bank competitive ability real diagnosis analysis. This chapter is the paper key content. First, unifies the Chinese national condition in the first part of this chapter and utilizes the CAMEL appraisal target system nimbly to analyze china commercial bank's competitive ability; The second part of this chapter makes the real diagnosis analysis using the factor analytic method to our country commercial bank overall competitive ability, and obtains the concrete competitive ability Rankings; Finally has carried on the analysis to our country commercial bank's competitive ability condition. The Fourth chapter discussed the reason which china commercial bank competitive ability was insufficient separately from internal system and the external environment angle. Finally proposed in the fifth chapter promotes the bank competitive ability the countermeasure to suggest, this is real diagnosis research conclusion expanding to this article ,in view of restricts china commercial bank competitive ability the main reason, Accordingly propose an effective way to improve their competitiveness.