The Research On The Competitiveness Of Small And Medium-sized Joint-stock Commercial Banks In China

Finance is the core of the modem economy,while banks are an important form of financial circles.Especially for China,with lacking of capital market development.dominating indirect financing, the banks’position have become more important.The medium or small-sizes joint-stock commercial banks are the more active component of the direction of development of commercial banks.They give a great deal of financial support to the development of medium or small-sized private enterprises.Therefore,the research on China’s medium or small-sized joint-stock commercial banks has become all important component in financial theory of China.The eight major small and medium-sized joint-stock commercial banks of our country are the main research object in this paper.and compared with three state-owned commercial banks,adopted research method combined with theory analysis and empirical analysis, has carried on deeply analysis and relatively study.Factorial analysis of the major indexes of the commercial banks,according to the calculated results for the competitiveness of their present situation for comparison and analysis,and at the same time,through the sequence of each factor,analysis the advantages and disadvantages of each commercial bank.The structure of this paper is:Firstly, put forward the background and purpose, and reviewed the competitive power of enterprise theory,expounds the basic concepts and characteristics of enterprise competitiveness,and Discusses in detail the competitiveness of the connotation of commercial Banks in China in detail;Secondly, introduced the small and medium-sized joint-stock commercial bank’s current situation.include the overall development of the present situation of China’s banking industry.the small and medium-sized joint-stock commercial bank’s production, the development and function and the current development of the small and medium-sized joint-stock commercial banks’competitiveness;Thirdly,empirical research on the small and medium-sized joint-stock commercial bank’s competitiveness,Construct suitable evaluation system for China’s small and medium-sized joint-stock commercial banks,and then analysis the index data by factor analysis method, though the results to compare and analyze the competitiveness of their situation;Finally,put forward their views and suggestions on how to cultivate and improve our core competitiveness of small and medium-sized joint-stock commercial Banks...