Research On ComPetitiveness Of City Commercial Banks In China

Banking is the financial mainstay of the economy in China and an important channel of financial intermediation, it has played a tremendous role in promoting the promotion of rapid economic development and business growth.In recent years, urban commercial banks in asset quality, risk prevention has achieved good results. However, a large number of city commercial banks, its corporate governance structure is not sound enough, not enough innovation, human resource constraints and many other issues. These issues impact on the development of the City firm, which greatly reduced the competitiveness of the City firm. In this case, enhance the competitiveness of city commercial banks and the future path of development has aroused widespread interest. Therefore, this problem has great practical significance and research value.The innovation of this paper is:from the banking sector as a whole and the entire city commercial banks, the two perspectives, the use of factor analysis and analytic hierarchy process are two ways to study the competitiveness of China’s city commercial banks. This article attempts to establish a more comprehensive, more scientific and city commercial bank, large commercial banks and joint-stock commercial banks, competitiveness index evaluation system. Then the comparison of the internal competitiveness of city commercial banks. Through empirical analysis, not only to identify the key factors affecting the competitiveness of city commercial banks namely, the potential core competitiveness. On this basis, the potential core competitiveness of China’s city commercial banks. Thus breaking the traditional practices of the past, to emulate the large commercial banks and joint-stock banks to enhance the competitiveness of city commercial banks, increasing the practical significance of the research on the subject.It concluded as follows:a key factor to affect the competitiveness of China’s city commercial banks is the potential core competitiveness. The potential core competitiveness of the determinants of decision to the future development of the commercial banks play an important role. City commercial banks in order to achieve long-term development, based on the future, we must strengthen technological innovation and business innovation, improve the corporate governance structure, continue to reserve outstanding talent, a sound mechanism for training to improve their brand influence in order to enhance the potential core competitiveness. to enhance their own ability.