Study On Comprehensive Evaluation Of China’s Listed Commercial Banks Competitiveness

Reform and opening have brought rapid development for our national economy, and thegrowing overall national strength brings profound changes to the financial system. Thestrengthening economic integration makes a fierce competition, especially in economiccompetition between different countries. Under the opening circumstance, The influx of alarge number of foreign banks brings fresh blood for Chinese financial market. Meanwhile,it brings great impact and challenge to Chinese bank either. Therefore, confronting to thefierce financial competition, how to catch the chance of our commercial banks will bring aprofound and great impact to the survival and development of Chinese banks, and thenational economy and financial security the Chinese commercial bank. Therefore, it has asignificant and practical meaning to evaluate and study our listed commercial banks incorrect and objective way.Based on the theory of the competitiveness of enterprises and the competitiveness ofcommercial banks, we analyze the competitive elements in commercial banks from realcompetitive, potential competitive, and environmental element, and establishes thefollowing nine evaluation index system, including the scale of strength, profitability,capital, the quality of asset, the ability of liquidity, the ability of sustainable development,the ability of management, financial innovation and the structure of corporate governance.Combining to the character of "gray" in the evaluation system in commercial bank, weestablish a multi-level gray comprehensive evaluation model. We also give a detailedanalysis to the comprehensive competition of commercial banks and nine-singlecompetition according to the statistical data of14Chinese listed commercial banksbetween2008and2010, and analyze the current competitive ability of Chinese listedbanks and their dynamic changes.The conclusion of this thesis implies that there are still some problems, which restrictcommercial banks to enhance their competitiveness such as non-perfect corporategovernance, low capital adequacy ratio, low quality of asset, non-enough innovation, andso forth. Therefore, at the end of this thesis, we represent some practical suggestions tosolve these problems.