Analysis Of Modern Chinese Commercial Bank Competitiveness(1927～1937)

The time between1927and1937are the prime one for national government when modern commercial banks of China had a rapid development and its scale was expanded. Although Nanjing Government had been trying to unify and stabilize the country, the political and economic circumstance was still not stable, which brought a series of challenges to the development of modern commercial banks of China.The developments of modern banking of China are the enlargement of bank scale, the growth of profit and the perfection of system, which is, in the final analysis, the development of bank competition. This paper begins with the concept of bank competition and bases on the examples of seven important commercial banks such as "Three Southern Bank" and "Four Northern Bank" from1927to1937. In this paper, the analysis is made by three ways:A. on the frame of real competition, analyze the financial data such as scales and benefits of seven main commercial banks to reveal the development trend of real competition of modern commercial bank of China; B. on the perspective of potential competition of banks, discuss the corporate governance structure and innovation activities of these banks; C. observe the impact of external environment on bank competition and analyze the influence of great political and economic events on the competition of modern commercial bank of China. Through the analysis of real competition, potential completion and the competition influenced by external environment of modern commercial bank of China, the article reflects the competition statement of modern commercial bank of China.