Study Of The Economics Of The Competitive Strategy Of The State-owned Commercial Banks

State-owned commercial banks play an important role in the economic field of China . But owing to various reasons, the reform of State-owned commercial banks is relatively lagging. At present, it is a prominent problem for State-owned commercial banks to cope with market competition. And also , it has become a subject which needs thoroughly researching ,to study the competitive strategy of State-owned commercial banks. This article is trying to use the methodology of economics to study the subject mainly discussed in the field of management. Many theories, including scale_ economy and scope_ economy in new classical economics ,SCP Frame and Porter's industrial analysis in industrial economics, property theory in new institutional economics, have been applied to study competitive conducts of State-owned commercial banks.Through the analysis, we can see ,in order to meet the competition of foreign banks and develop into competitive , first _class international banks, State-owned commercial banks should accumulate experiences and improve competence during this interim. So at present, the road for State-owned commercial banks to go is not the institution expansion , but the property right system reform and the establishment of effective corporate governance. That is to say, it can improve State-owned commercial banks' market competition and performance. Meanwhile, the corporate governance construction will be improved continually in intense market competition.So we should pay more importance on the corporate governance construction of State-owned commercial banks. According to present conditions, two steps should be taken. Firstly, to consummate factors existing and workable in banks' corporate governance; Secondly, to cultivate and develop new and essential elements by reform of property right system. And also we should learn the lessons from the reform of national listed company, knowing that it is essential to introduce qualified strategy investors. At last, we should exert effective strategy management, make good use of market competition to push the reform of property rights of State-owned commercial banks stoutly.