A Study On The Competitiveness Evaluation Of China 's Listed Commercial Banks

Finance is the core of modern economy, the banking sector is the heart of the modern economy. Modern commercial banks in modern economic life is the use of advanced science and technology to carry out financing, currency credit intermediary, to create means of circulation, a variety of derivative financial transactions and maximize the value of the share capital of financial companies, its competitiveness directly affects the competitive position of the country’s comprehensive national strength in the world economic system. With the deepening of China’s financial reform and the acceleration of the process of global economic integration, how to seize the opportunity and meet the challenge in the new situation of China’s commercial banks, and influence the level of comprehensive competitiveness of our country. Listed commercial banks as the representative of China’s commercial banks, walking in the forefront of financial reform.Therefore, objective research and evaluation of the domestic listed commercial banks market competitiveness, at the same time revealing reveal a reasonable and useful to improve the show is extremely important theoretical and practical significance.Based on the research of domestic and foreign literature on the listed commercial banks Competitiveness of status review to determine from the city commercial banks,large state-owned commercial banks and joint-stock commercial banks to explore these three different levels of competition are property of commercial banks. Next, this paper discusses the simple meaning and characteristics of competitive, explains the basic concepts and features of competitive, established commercial banks competitiveness uniqueness, inquiry indicated to its meaning; Under the premise of reference the domestic and foreign results of exploration,then proposed commercial banks competitiveness evaluation strategy a reasonable and enforceable.In the empirical analysis, select 16 A shares listed commercial banks in China as theresearch sample to banks published annual reports for the 2012 and 2014 sample data sources, three types of property obtained ordering commercial banks competitiveness using factor analysis. Empirical studies have shown that the competitiveness of joint-stock commercial banks and city commercial banks becoming stronger to some extent reduce the large state-owned commercial banks and the distance, but at present, the competitiveness of large state-owned holding banks is still stronger than the joint-stock commercial banks. At the same time, the competitiveness of joint-stock commercial banks is better than that of city commercial banks.In summary, conclusions by empirical research, and with reference to the status of domestic commercial banks, it has pointed out that by optimizing for the external environment and internal environment, enhance the competitiveness of commercial banks.