Comparative Study On Competitiveness Of State-Owned Commercial Banks And Joint-Stock Commercial Banks

The development of banking industry is the key to the country prosperity of financial system, while the banking competitiveness plays an important role in economy development and social stability of China. In recent years, banking industry has taken a series of measures to improve competitive strength as facing the competition from home and abroad. Especially, the state-owned commercial bank and joint-stock commercial bank become the force of our banking industry through stock reform and public listing. Furthermore, how to improve the competitiveness in the increasingly open financial market is a crucial question for state-owned commercial banks and joint-stock commercial banks. Therefore, making comparison between the state-owned commercial bank and the joint-stock commercial bank on competitiveness which is based on a suitable evaluation system is an effective way to explore the way of improving the competitiveness. Also, the thesis starts from this core reason, which has very important theoretical and practical significance.As a result of the commercial bank have the particularity and the general characteristics of enterprises, the paper take the competitiveness of enterprises and related theory of commercial bank as the theoretical basis. The research on commercial banks with domestic and foreign scholars and institutions experienced roughly from simple to complicated. This thesis is based on the study of previous scholars, constructing the competitiveness evaluation system of commercial banks in China, including traditional competitiveness and development competitiveness. Then, according to the availability of data resources, we choose23targets from the evaluation system and collect the relevant data from2009to2011, for trend analysis and factor analysis on the state-own commercial bank and joint-stock bank. The trend analysis is mainly assessing the own development of the bank, just en evaluation of upward or downward trend, and factor analysis focus on traditional competitiveness, developed competitiveness and comprehensive competitiveness. Finally, analyze the consequence and explore the lack of the state-own commercial bank and joint-stock bank, putting forward to insisting to financial innovation and creating a favorable financial environment.In a word, this thesis combines with the result of empirical comparison research on state-owned commercial banks and joint-stock commercial banks, and absorbs in advanced management experience and measures from aboard, in order to try to find out the each insufficient from the two kinds of commercial banks and the action which is useful to handle them. In the end, it is very significant for the banking industry of China, both theoretically and practically.