The Research Of China’s Listed Commercial Banks Competence Evaluation

In a banking-oriented financial system in China, the deepening of reform in the financial sector directly affects and restricts the development of the Chinese economy. The Chinese government is to fulfill its WTO commitments of financial liberalization, the banking industry as the "lifeline" of the Chinese national economy, is facing tremendous opportunities and challenges. In this extremely complicated international and domestic economic situation, improve the competitiveness of individuals and the industry as a whole, is the only choice for the development of China’s banking sector.This article systematically reviews the influencing factors on competitiveness, the competitiveness of enterprises, the theoretical connotation of the competitiveness of the commercial banks as well as all aspects of domestic and foreign. In this article, combination of the particularity of the listed banks in China, from the perspective of core competencies and basic competitiveness evaluation index system, to establish the competitiveness of China’s listed banks. I chose all16A-share listed commercial banks, combined with the bank’s annual report of2011listed commercial data to conduct an objective evaluation of their competitiveness.The selected total assets, net income, earnings per share, capital adequacy ratio, the per capita salary, investment income and other19individual indicators, index system data analysis using factor analysis, drawn five main factors:asset size production factor, asset adequacy factor, the factor of profitability, Sustainable development of the capacity factor, intermediate operational capacity factor. Specific to the asset size of the output factor, the Industrial and Commercial Bank of ranking topped, Minsheng Banking is particularly well on this factor in profitability; Bank of Ningbo and Shanghai Pudong Development Bank scored higher in the ability to grow factor; asset safety factor Bank of Ningbo and Nanjing Bank data, the overall performance is good; finally arrive at the value of comprehensive evaluation and ranking of the competitiveness of listed banks, the study results show that:the Industrial and Commercial Bank of China, China Construction Bank, Industrial Bank, Bank of Communications and Bank of Nanjing are the top five listed Bank.Finally, analysis of the problems in the development of China’s listed banks: flawed corporate governance, technological innovation capability is poor, More serious business homogenization phenomenon, Based on the findings, China’s listed banks to weaken the impact of the Government of the banking sector to run, improve the corporate governance of commercial banks, and to establish a scientific and effective risk management system and internal control mechanisms, faster time to market, and improve the management of human resources, strengthen business innovation ability measures to improve the competitiveness of China’s listed banks.