The Discussion Of Our Country Commercial Bank Competitiveness Evaluation

With the development of market economy, the world is into the era of competition. Commercial Bank of China's financial system as the most important part of the core, the strength of a direct impact on the competitiveness of China's financial sector stability, the development of our national economy plays an important role. In 2007, China's financial sector into an important period of transition and development. Economic and financial market deepening, the full liberalization of the banking industry, bank restructuring and listing completed, so that banks in China were made developments come a new gateway. In China, commercial banks take pride in the mechanism of long-term flexibility, innovative capacity, and other traditional advantages will be significantly weakened. Joint-stock banks will face competition from improved profitability, innovation, risk management, information technology, the enormous pressure. Meanwhile, with foreign banks, with its strong network of international operations, superior risk management and innovation, flexible service strategies and strong incentives for efficient entry into the Chinese market, China's commercial banks face the challenges continue to escalate. Therefore, the competitiveness of the current situation of China's commercial banks to conduct an objective, comprehensive analysis and evaluation, and development of effective strategies to enhance the competitiveness, undoubtedly has considerable theoretical and practical significance.Firstly, the competitiveness of the bank based on the general theory to explain the bank's competitiveness concepts and features, specifically the special nature of the competitiveness of commercial banks, exploration to define its meaning, and the Bank of competitive analysis methods review and a brief comment, for the empirical analysis below provides a theoretical support. Then, in the authority of institutions and scholars from home and abroad has been the basis of research results to design a set of good banking practice and scientific competitiveness evaluation index system.In the empirical analysis, the paper 16 joint stock commercial banks in China as the research object, the result of using the factor composite score the competitiveness of each bank were sequenced, detailed analysis of the competitiveness of China's state commercial banks. Empirical results show that:the competitiveness of China's commercial banks, joint-stock commercial banks, small and medium sized comprehensive ranking but also shows the four major state-owned commercial banks than the original better competitive advantage. Based on the factor analysis to identify the factors that influence the competitiveness of the major banks have a business innovation and profitability, operational efficiency and development capacity, risk control and debt service ability and scale, and a detailed analysis of joint-stock commercial banks and the Small and Medium Sized Four former state-owned commercial banks in these gaps. Finally, empirical research based on assessment results, combined with the actual situation of China's commercial banks, drawing on the successful experience of large foreign banks, based on a series of targeted measures and strategies for further enhancing the competitiveness of China's commercial banks and to maintain its sustained and healthy development lay a certain foundation.