Study Of The International Competitiveness Of Commercial Banks In China From The Financial Crisis Perspective

As the main component of the financial industry, commercial banks had a significant change in the financial crisis. The performance of a country’s commercial banks in crisis can make us see more clearly about a national commercial banks’real strength. So from the financial crisis perspective and in the range of the global commercial banks, researching about the international competitiveness of our country’s commercial banks is a very significant issue.This paper tells about the process of the financial crisis, and about the influence on the world economy and finance.We find that the crises impacted developed coutries like USA, EU, Japan seriously, but influenced Asia a little. Relatively the economy of China maintained smoothly.On the foundation of the global top1,000commercial banks ranking and financial index data of2007-2010British 《the Banker》, this paper analyses in details about commercial banks rankings, assets, profit and other circumstances of America, Europe, Asia Pacific, Middle east and Africa during2006-2009, and makes a deep analysis of the commercial banks in the USA, EU, Japan and China. The results show:In2007, the commercial banks of America and Europe have been affected by financial crisis; In2008, profits of global top1000banks suffered a severe downturn, among them the USA and EU banks had the most serious losses. Banks in Asia-pacific, Middle East and Africa also appeared earnings decline, but with a lesser degree, profits of all Chinese mainland banks in the top1000were the most, and no bank occurred deficit; In2009, the situation of global banking became better. This paper analyses further which factors affected the international competitiveness of Chinese commercial banks in financial crisis periodThis paper also builts up commercial banks’international competitiveness faces model of USA, EU, Japan and China. Faces show:During the financial crisis, profitability of the USA, EU, Japan’s commercial banks suffered dramatically, but profitability of China’s commercial banks risen. Operation safety of those coutries’ commercial banks improved after financial crisis, size did not change significantly, China’s commercial banks are less skillful on safety and size. As a whole, the international competitiveness of Chinese commercial banks were rising in financial crisis periods, compared with the drops of international competitiveness of commercial banks in other areas.