Factors Affecting The Competitiveness Of China's State-owned Commercial Banks, Research, And Evaluation

According to the agreements with the relevant nations and the promises made by our government, Chinese banking will completely be open to the foreign financial institution 5 years after , that is to say after January 1st 2007, the foreign financial institutions will have no difference from indigenous ones in servicing areas and clients. But the advantages of competition of Chinese state-owned commercial banks have not completely come into being. In some aspect, such as the strength of capital, the ability and the performance of management etc, Chinese state-owned commercial banks are not as good as the foreign counterparts. If Chinese banks cannot keep up with the foreign ones winthin 4 years, they will be elimilated by the competition.This article not only analyses the influencing factors of the competitiveness qualitatively and quantificationally, but also puts forward the corresponding measures to improve the competitiveness of state-owned commercial banks, in order to contribute to the development of the state-owned commercial banks.First, this article gives a brief introduction of the relative theories not only about the definition and the origin of the competitiveness, but also the evaluating methods of commercial bank. On this basis it defines the basic frame of the influencing factors and the connotation of the competitiveness about the commercial bank. Second, this article analyses the advantages and the existing problems of Chinese state-owned banks from the main influencing factors of the competitiveness, such as the ability, the resource and the circumstance. Finally, the article analyses the competitiveness of the four state-owned commercial banks quantificationally, and elicits the corresponding measures to improve the competitiveness of state-owned commercial banks according to the previous analysis.