Competition In The Market Structure Of China's Commercial Banks

Finance is the core of the modern economy, and the bank is the core of finance. As the global economic integration processes, the competition among banks increases too. So, how to improve our overall competitive of commercial bank has great theory value and realistic significance.The main content of the thesis is based on 4 large state-owned commercial banks and 9 house-shared commercial banks, analyze the competitive structure market of Chinese commercial banks. Firstly, the writer builds a totally comprehensive competitiveness of the bank appraisal target system and establishes a comprehensive evaluation model to have a comparative analysis of the overall strength of the commercial banks. Then, finds solutions to improve banks'competitiveness in such two ways:the profitability and management efficiency, and establishes the panel data model and the DEA model. In the panel data model, the paper analyzes the microeconomic and macroscopic index of the 13 banks from the time and cross-section two aspects, evaluates the profitability of the banks, and then has a more deeply economical analysis. In the DEA model, from the input and output view, the paper has a data package analysis of the 2007 to 2009 annual panel data of the commercial banks, makes out the factors influenencing the efficiency of banks, and put forward some practical solutions. Finally, based on all those analysis, establishes SWOT matrix, and thereby works out some workable strategies.